UTI Credit Risk Fund
Ticker: mf13478
Risky
48/100
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Business Overview
UTI Credit Risk Fund is a dynamic debt mutual fund designed for investors seeking to enhance their fixed-income portfolio with a focus on credit risk. Ideal for those looking to achieve higher returns than traditional fixed deposits while maintaining a moderate risk profile, this fund invests primarily in corporate bonds and debentures. With a strong track record and experienced management, it aims to provide steady income and capital appreciation, making it a valuable addition for both conservative and moderately aggressive investors.
- Focus on credit risk for higher returns
- Ideal for fixed-income portfolio enhancement
- Invests in corporate bonds and debentures
- Managed by experienced professionals
- Aims for steady income and capital appreciation
Investment Thesis
UTI Credit Risk Fund stands out due to its strong promoter group, robust digital services growth potential, and attractive valuation compared to peers. This combination positions it well for long-term capital appreciation, making it a compelling choice for retail investors seeking stability and growth.
- Strong backing from UTI Asset Management, a trusted name in Indian finance.
- Significant growth in digital services, enhancing accessibility and customer engagement.
- Valuation metrics indicate it is undervalued compared to industry peers.
- Focus on credit risk management provides a balanced risk-return profile.
- Potential for consistent returns amidst evolving market conditions.
Opportunity vs Risk
Opportunities
- Diversified credit portfolio
- Potential for higher returns
- Stable income generation
- Growing demand for credit funds
Risks ⚠️
- Credit default risk
- Interest rate fluctuations
- Market volatility impact
- Regulatory changes affecting funds
Peer Perspective
UTI Credit Risk Fund trades at a slight premium compared to peers like HDFC Credit Risk Fund and ICICI Credit Risk Fund. A sustained improvement in margin stability could trigger a rerating in its valuation.
📊 Stock Investment Checklist (100 Points)
UTI Credit Risk Fund • Updated: 2025-09-29 16:44:14
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10BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighModerate revenue growth observed, but inconsistent profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, cash flow is inconsistent.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity could be improved.
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7GovernanceHighPromoter holding is stable, but there are concerns about disclosures.
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5DriversGoodLimited growth catalysts and execution risks are present.
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1TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The UTI Credit Risk Fund presents several risks with limited growth potential and profitability concerns.