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UTI AMC

UTI Structured Debt Opportunities Fund IV

Private credit — earn 12.75-14.45% through secured lending

A Category II AIF that lends directly to mid-sized Indian companies (₹100-500 Cr revenue) with strong fundamentals. Every loan is backed by tangible collateral with 1.3-2.2x security cover.

Quick Facts

Minimum Investment

₹1 Crore

Target Return

12.75-14.45% p.a.

Horizon

4 years (close-ended)

Risk Level

Moderate
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Cat II AIF

Why This Product

1

Secured lending with 1.3-2.2x collateral cover

2

Target yield 12.75-14.45% p.a.

3

Lending to positive-cashflow mid-market companies

4

Monthly/quarterly interest distributions

How to Invest

1

Investor onboarding — KYC, FATCA declaration, contribution agreement signing

2

Commit ₹1 Crore — capital drawn down in 2-3 tranches over 6-9 months

3

Fund deploys capital as secured loans to vetted mid-market borrowers

4

Receive monthly/quarterly interest distributions directly to bank account

5

Principal returned progressively as underlying loans mature (within 4-year fund life)

Risk Factors

  • Credit risk — borrower default despite collateral (mitigated by 1.3-2.2x security cover)

  • Illiquidity — 4-year lock-in with no secondary market for AIF units

  • Concentration risk — limited number of borrowers in portfolio

  • Collateral valuation risk — asset values may decline in stress scenarios

Key Documents

Private Placement Memorandum (PPM)

Full fund terms, credit strategy, and risk disclosures

Contribution Agreement

Investor commitment, drawdown schedule, and distribution waterfall

Quarterly Investor Report

Portfolio composition, yield, borrower health, and distributions

Request documents from your advisor or contact us on WhatsApp.

Fees & Charges

Management Fee1.5-2% p.a. on committed capital

Regulatory

RegulatorSEBI

Eligibility & Access

KYC RequirementEnhanced KYC — PAN, net worth certificate, source of funds declaration, FATCA
Eligible InvestorsResident Indians, NRIs, HUFs, Corporates, Family Offices, Trusts with ₹1 Cr minimum
Lock-in Period4-year fund term (close-ended) — no early redemption
RedemptionPrincipal returned at loan maturity; interest distributed monthly/quarterly

Best Suited For

HNIs seeking 3-5% premium over traditional fixed income with institutional risk management

Ready to Explore UTI Structured Debt Opportunities Fund IV?

Speak with an advisor who can walk you through the details and how this fits your portfolio.

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ARN-189009 · Investments are subject to market risks. Past performance is not indicative of future returns.