❌ Poor Debt Scheme - Credit Risk Fund

UTI - Credit Risk Fund (Segregated - 13092019) Option

by UTI Mutual Fund · Direct Plan · Growth
2.6 / 10
BullWiser Honest Score
-100.0%
1Y Return
-100.0%
3Y CAGR
--
Exp. Ratio
UTI - Credit Risk Fund (Segregated - 13092019) Option is one of the lower-rated funds in its category with a BullWiser Honest Score of 2.6/10 — below the Debt Scheme - Credit Risk Fund category median of 3.7/10 across 18 funds. Its 3-year CAGR of -100.0% underperforms the Debt Scheme - Credit Risk Fund category average of 6.1% by -106.1 percentage points. As a Direct plan, UTI - Credit Risk Fund (Segregated - 13092019) Option eliminates the distributor commission built into Regular plans, maximising the net return to the investor.

Fund Details

Fund Name
UTI - Credit Risk Fund (Segregated - 13092019) Option
AMC
UTI Mutual Fund
Category
Debt Scheme - Credit Risk Fund
Plan Type
Direct · Growth
Expense Ratio
--
Verdict
❌ Poor
1Y Return
-100.0%
3Y CAGR
-100.0%

vs Category Average — Debt Scheme - Credit Risk Fund

3Y CAGR
This fund
-106.1% vs category avg
Expense Ratio (lower is better)
TER data not available
Honest Score
This fund
-1.1 vs category avg

Category: Debt Scheme - Credit Risk Fund · 18 Direct-plan funds compared · 0% are High Quality

Frequently Asked Questions

What is the BullWiser Honest Score of UTI - Credit Risk Fund (Segregated - 13092019) Option?
UTI - Credit Risk Fund (Segregated - 13092019) Option has a BullWiser Honest Score of 2.6/10 (POOR QUALITY). The score rates the fund across four pillars: returns quality, expense ratio, risk-adjusted performance (Sharpe ratio & max drawdown), and overall fund quality (AUM, age, consistency).
What is the expense ratio of UTI - Credit Risk Fund (Segregated - 13092019) Option?
The Total Expense Ratio (TER) of UTI - Credit Risk Fund (Segregated - 13092019) Option Direct Plan is --. Choosing the Direct plan saves you the distributor commission baked into Regular plans — typically 0.5–1% per year — which compounds significantly over time.
What are the returns of UTI - Credit Risk Fund (Segregated - 13092019) Option?
UTI - Credit Risk Fund (Segregated - 13092019) Option has delivered -100.0% 1-year returns and -100.0% 3-year CAGR. For a full NAV history and comparison with category peers, use BullWiser's MF Analyser. Past performance is not a guarantee of future returns.
Is UTI - Credit Risk Fund (Segregated - 13092019) Option a good investment?
BullWiser rates UTI - Credit Risk Fund (Segregated - 13092019) Option as POOR QUALITY (Honest Score 2.6/10). Always match a fund to your own risk profile and investment horizon. Use the MF Analyser to compare it with peers in the Debt Scheme - Credit Risk Fund category.
How does Direct Plan differ from Regular Plan for UTI - Credit Risk Fund (Segregated - 13092019) Option?
The Direct plan of UTI - Credit Risk Fund (Segregated - 13092019) Option has a lower expense ratio than the Regular plan because no distributor commission is paid. On a ₹10 lakh investment over 20 years, even a 0.5% lower TER can save ₹5–10 lakh in compounded wealth. BullWiser always recommends Direct plans for cost-conscious investors.

See Full Analysis on BullWiser

NAV chart, holdings, Direct vs Regular savings, Sharpe ratio, and personalised comparison — all free.

Open in MF Analyser →
Browse Debt Scheme - Credit Risk Fund Funds
⚠️ Disclaimer: BullWiser is an independent analysis platform, not a SEBI-registered investment advisor. Honest Scores and verdicts are algorithmic assessments based on publicly available data. They are not buy/sell recommendations. Please consult a financial advisor before investing. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.