UTI Credit Risk Fund(H-IDCW)
Ticker: mf16828
Decent
68/100
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U
UTI Credit Risk Fund(IDCW)
The UTI Credit Risk Fund shows potential but is facing several challenges that could impact future performance.
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A
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Axis Conservative Hybrid Fund(A-IDCW)
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DSP Nifty Smallcap250 Quality 50 Index Fund(IDCW)
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Bank of India Short Term Income Fund(Q-IDCW)
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Tata Equity Savings Fund(P-IDCW Payout)
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Tata Equity Savings Fund(M-IDCW Payout)
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Tata Equity Savings Fund(P-IDCW)
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Tata Equity Savings Fund(M-IDCW)
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Business Overview
UTI Credit Risk Fund (H-IDCW) is designed for investors seeking to enhance their returns through exposure to credit-rated fixed-income securities. This fund is ideal for those looking to diversify their portfolio while managing risk effectively. With a focus on high-quality corporate bonds, it aims to provide a steady income stream along with potential capital appreciation. By investing in this fund, you can benefit from professional management and a disciplined investment approach, making it a smart choice for both conservative and growth-oriented investors.
- Focuses on credit-rated fixed-income securities
- Ideal for income-seeking and risk-aware investors
- Professional management by experienced fund managers
- Potential for capital appreciation alongside steady income
- Diversifies your investment portfolio effectively
Investment Thesis
UTI Credit Risk Fund stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the fund as a compelling investment opportunity for retail investors seeking stable returns in a dynamic market.
- Backed by UTI Asset Management Company, a reputable and established player in the financial sector.
- Significant growth potential in digital services, enhancing operational efficiency and customer reach.
- Current valuation offers a competitive edge versus peer funds, presenting a favorable entry point.
- Focus on credit risk management ensures a balanced approach to yield and safety.
- Strong historical performance reinforces investor confidence in fund management capabilities.
Peer Perspective
UTI Credit Risk Fund is currently trading at a slight premium compared to peers like HDFC Credit Risk Fund and ICICI Credit Risk Fund. A rerating could occur with improved margin stability and consistent growth in underlying assets.
📊 Stock Investment Checklist (100 Points)
UTI Credit Risk Fund(H-IDCW) • Updated: 2025-10-01 07:43:46
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10BusinessHighThe credit risk sector is evolving, but faces challenges in terms of regulatory changes.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, with cash flow showing some volatility.
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8ValuationHighValuation metrics are slightly above average compared to peers.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks present.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
The UTI Credit Risk Fund shows potential but faces several challenges that may impact its performance.