Mutual Funds › MFIC › Sectoral/Thematic › Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)
Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)
Sundaram Mutual Fund · Sectoral/Thematic · Regular plan, growth option
NAV (₹), 1 Oct 2026
88.9939
1-day change
-1.87%
1Y return
-9.5%
3Y CAGR
6.6%
5Y CAGR
8.9%
Max drawdown, 5Y
−24.7%
NAV history month-end NAV, ₹ · 18 May 2006 to 1 Oct 2026
Returns vs Sectoral/Thematic median (259 schemes) and “Consumption & FMCG” median (27)
| Period | Scheme | Category median | Consumption & FMCG median |
|---|---|---|---|
| 1 month | -7.5% | -5.4% | -6.5% |
| 3 months | -2.7% | -3.1% | -4.6% |
| 6 months | 7.6% | 8.5% | 7.5% |
| Year to date | -9.2% | -2.6% | -8.3% |
| 1 year | -9.5% | 0.0% | -9.2% |
| 3 years (CAGR) | 6.6% | 11.7% | 6.8% |
| 5 years (CAGR) | 8.9% | 10.6% | 8.9% |
| 7 years (CAGR) | 11.8% | 15.7% | 12.6% |
| 10 years (CAGR) | 10.1% | 13.3% | 11.7% |
| Since first NAV (CAGR) | 11.4% | – | – |
“Consumption & FMCG” is MFIC's grouping of Sectoral/Thematic schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 12.4% | 9.8% |
| 3Y rolling median | 14.1% | 15.6% |
| 3Y rolling worst | -9.4% | 0.6% |
| 3Y periods positive | 92% | 100% |
| 3Y periods ahead of benchmark | 38% | 71% |
| 5Y rolling median | 12.7% | 14.2% |
| 5Y rolling worst | -3.5% | 0.3% |
| 5Y periods ahead of benchmark | 10% | 70% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 17.1% | 16.7% |
| Sharpe ratio | 0.00 | 0.34 |
| Sortino ratio | 0.00 | 0.51 |
| Beta | 0.98 | 0.96 |
| Alpha (ann.) | -3.4% | 2.3% |
| Upside capture | 97.01 | 103.56 |
| Downside capture | 112.18 | 96.87 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −70.5% | −23.7% |
| Maximum drawdown, last 10Y | −36.0% | −39.3% |
| Maximum drawdown, last 5Y | −24.7% | −22.8% |
| Current drawdown | −17.1% | −8.8% |
| Recovery time of worst fall | 1915 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.53% a year and the Direct plan's 1.67%, a gap of 0.86%; over the last 3 years the Direct plan returned 0.94 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹18,22,741.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 28 Sep 2026: TER increased from 2.52% to 2.53% (AMFI TER disclosure)
- 24 Sep 2026: TER increased from 2.51% to 2.52% (AMFI TER disclosure)
- 17 Sep 2026: TER reduced from 2.52% to 2.51% (AMFI TER disclosure)
- 16 Sep 2026: TER reduced from 2.53% to 2.52% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 2.51% to 2.53% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anuj Bansal | 31 Dec 2021 | |
| Rohit Seksaria | 31 Dec 2021 | |
| Shalav Saket | 31 Dec 2021 |
Objective: The investment objective of the scheme is to generate long term capital appreciation by investing in a portfolio of companies that are likely to benefit directly from consumption led demand in India. No Guarantee: Investors are neither being offered any guaranteed/indicated returns nor any guarantee on repayment of capital by the Scheme. There is also no guarantee of capital or return either by the mutual fund or by the sponsor or by the Asset management Company.
Stated asset allocation: Equity and equity related securities of companies engaged in consumption sector 80% - 100%; Other Equities 0% - 20%; Fixed Income, Money Market instruments and Cash & Cash Equivalents 0% - 20%; Investment in REITs & InvITs 0% - 10%; Overseas Securities (Including ETFs)/Foreign Securities, ADRs and GDRs 0% - 20%.
Benchmark (tier 1): Nifty India Consumption TRI
Exit load: 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch / STP within 30 days from the date of allotment; NIL - For redemption or withdrawn by way of SWP or transfer by way of Switch/STP after 30 days from the date of allotment; Further, exit load will be waived on Intra-scheme Switch-outs/STP; Generally, the exit load will be calculated on First in First out (FIFO) basis.
Minimum application: For both Regular and Direct Plan Rs. 100/–
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.53% | 2.38% |
| AUM, whole scheme (₹ crore) | 1,408 | 1,245 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -7.3% | -7.5% TRI |
| Return, 3 years (AMFI) | 7.2% | 10.4% TRI |
| Return, 5 years (AMFI) | 9.3% | 10.1% TRI |
| Month-ends above category median (3Y CAGR) | 39% | 53% median |
| Month-ends in category top quartile (3Y) | 25% | 24% median |
| 7Y rolling CAGR, median (monthly windows) | 13.9% | 13.5% median |
Official benchmark: Nifty India Consumption TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -9.2% | -7.8% | −1.4% |
| 2025 | -0.1% | 7.7% | −7.7% |
| 2024 | 20.1% | 15.6% | +4.5% |
| 2023 | 30.2% | 26.5% | +3.7% |
| 2022 | 9.3% | 3.8% | +5.6% |
| 2021 | 19.3% | 30.6% | −11.3% |
| 2020 | 13.5% | 17.2% | −3.8% |
| 2019 | 2.7% | n/a | – |
| 2018 | -7.8% | n/a | – |
| 2017 | 38.7% | n/a | – |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,14,843 | -7.9% |
| 3 years | ₹3,60,000 | ₹3,54,377 | -1.0% |
| 5 years | ₹6,00,000 | ₹7,05,932 | 6.4% |
| 10 years | ₹12,00,000 | ₹20,08,271 | 9.9% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: Sundaram Mutual Fund
Category: Sectoral/Thematic
Plan / option: Regular · Growth
AMFI scheme code: 102142
ISIN: INF903J01561
First NAV in MFIC data: 18 May 2006
History: 20.4 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Axis Consumption Fund | Sectoral/Thematic | 0.97 | n/a |
| Baroda BNP Paribas India Consumption Fund | Sectoral/Thematic | 0.97 | 6.7% |
| Mirae Asset Great Consumer Fund | Sectoral/Thematic | 0.97 | 7.8% |
| Aditya Birla Sun Life Consumption Fund | Sectoral/Thematic | 0.96 | 6.0% |
| Mahindra Manulife Consumption Fund | Sectoral/Thematic | 0.96 | 6.6% |
| UTI - India Consumer Fund | Sectoral/Thematic | 0.96 | 7.2% |
Questions about Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)
- What is the latest NAV of Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- The NAV of the Regular plan (growth option) was ₹88.9939 on 1 Oct 2026, as published by AMFI.
- Which category is Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund) in?
- It is classified as Sectoral/Thematic in AMFI's daily NAV file; a Sectoral/Thematic scheme invests at least 80% in one sector or theme. MFIC compares it with 259 Sectoral/Thematic schemes (Regular plans).
- What returns has Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund) delivered?
- Over one year the NAV changed by -9.5%. The 3-year CAGR is 6.6% (category median 11.7%) and the 5-year CAGR is 8.9% (category median 10.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 14.1%, the lowest was -9.4%, and 92% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 38% of those periods.
- What was the largest fall in Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)'s NAV?
- The largest peak-to-trough fall in its available history was 70.5%; within the last five years it was 24.7% (category median 22.8%).
- How volatile is Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- Its annualised standard deviation of monthly returns over the last 36 months is 17.1%, which is above the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund) have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,05,932 on 1 Oct 2026, an annualised return (XIRR) of 6.4%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- The total expense ratio of the Regular plan is 2.53% a year, as disclosed to AMFI (median of Sectoral/Thematic Regular plans: 2.38%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- Assets under management of the whole scheme were ₹1,408 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund) and how has it compared?
- Its official benchmark is the Nifty India Consumption TRI. Over 3 years AMFI reports a return of 7.2% for this plan against 10.4% for the benchmark total return index; over 5 years 9.3% against 10.1%. Past performance does not indicate future results.
- How often has Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund) beaten its category?
- At 39% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Sectoral/Thematic schemes (Regular plans); it was in the top quarter at 25% of them. A typical scheme would show about 50%.
- Who manages Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- According to its Scheme Summary Document, Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund) is managed by Anuj Bansal (since 31 Dec 2021), Rohit Seksaria (since 31 Dec 2021), Shalav Saket (since 31 Dec 2021).
- What is the exit load of Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- As stated in its scheme documents: 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch / STP within 30 days from the date of allotment; NIL - For redemption or withdrawn by way of SWP or transfer by way of Switch/STP after 30 days from the date of allotment; Further, exit load will be waived on Intra-scheme Switch-outs/STP; Generally, the exit load will be calculated on First in First out (FIFO) basis. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Sundaram Consumption Fund (Formerly Known as Sundaram Rural and Consumption Fund)?
- The minimum application amount is For both Regular and Direct Plan Rs. 100/–. SIP details: SIP: Daily, Monthly: Rs.100, Quarterly: Rs. 750, Weekly: Rs. 1000; STP: Daily, Weekly: Rs.1000, Monthly: Rs.250, Quarterly: Rs.750; SWP: Monthly and Quarterly: Rs.1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -8.7% and the Regular plan's by -9.5%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.