Sundaram Services Fund
Sundaram Mutual Fund · Sectoral/Thematic · Direct plan, growth option
NAV (₹), 1 Oct 2026
38.0015
1-day change
-1.01%
1Y return
0.5%
3Y CAGR
12.6%
5Y CAGR
12.2%
Max drawdown, 5Y
−17.4%
NAV history month-end NAV, ₹ · 25 Sep 2018 to 1 Oct 2026
Returns vs Sectoral/Thematic median (253 schemes) and “Services & exports” median (7)
| Period | Scheme | Category median | Services & exports median |
|---|---|---|---|
| 1 month | -5.8% | -5.4% | -5.8% |
| 3 months | -2.3% | -2.8% | -1.8% |
| 6 months | 12.4% | 8.9% | 10.3% |
| Year to date | -3.5% | -2.0% | -3.4% |
| 1 year | 0.5% | 1.4% | 0.7% |
| 3 years (CAGR) | 12.6% | 13.0% | 13.1% |
| 5 years (CAGR) | 12.2% | 12.0% | 12.7% |
| 7 years (CAGR) | 18.5% | 17.0% | 18.2% |
| 10 years (CAGR) | n/a | 14.6% | 13.8% |
| Since first NAV (CAGR) | 18.1% | – | – |
“Services & exports” 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 | 16.8% | 11.8% |
| 3Y rolling median | 21.6% | 17.5% |
| 3Y rolling worst | 12.6% | 3.0% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | 100% | 84% |
| 5Y rolling median | 22.9% | 15.6% |
| 5Y rolling worst | 12.2% | 1.8% |
| 5Y periods ahead of benchmark | 100% | 91% |
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.) | 15.5% | 16.7% |
| Sharpe ratio | 0.43 | 0.42 |
| Sortino ratio | 0.66 | 0.63 |
| Beta | 0.93 | 0.96 |
| Alpha (ann.) | 3.5% | 3.7% |
| Upside capture | 104.94 | 106.94 |
| Downside capture | 90.06 | 95.17 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −39.6% | −23.1% |
| Maximum drawdown, last 10Y | n/a | −38.3% |
| Maximum drawdown, last 5Y | −17.4% | −22.3% |
| Current drawdown | −7.5% | −8.3% |
| Recovery time of worst fall | 256 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme invests mainly in the market below, which is also close to how many of them are benchmarked. Where that market stands today:
21,857.75 −0.97%
NSE close, 1 Oct 2026
- P/E 21.6: higher than 1% of days since 2023 (median 24.3)
- 1Y −3.9% · 3Y +8.9% p.a. · 5Y +8.6% p.a. (index fund NAV, after costs)
- −9.3% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.94% a year and the Direct plan's 0.85%, a gap of 1.09%; over the last 3 years the Direct plan returned 1.28 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 ₹25,31,064.
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
- 24 Sep 2026: TER increased from 0.84% to 0.85% (AMFI TER disclosure)
- 22 Sep 2026: TER reduced from 0.85% to 0.84% (AMFI TER disclosure)
- 8 Sep 2026: TER increased from 0.84% to 0.85% (AMFI TER disclosure)
- 3 Sep 2026: TER reduced from 0.85% to 0.84% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Rohit Seksaria | 24 Feb 2021 | |
| Shalav Saket | 24 Feb 2021 |
Objective: To seek capital appreciation by investing in equity / equity related instruments of companies who drive a majority of their income from business predominantly in the Services sector of the economy. However, there can be no assurance that the investment objective of the Scheme will be realized. Services sector includes Healthcare, Fitness, Tourism & Hospitality, Transportation & Logistics, Education, Staffing, Wealth management, Media, Retail, Aviation, Legal, Architecture, Design services etc. 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 & Equity related instruments of Services Sector (including investment in overseas securities) 80-100%; Other Equities (including investment in overseas securities) 0%-20%; Fixed Income and Money Market Instruments 0%-20%; Investment in REITs & InvITs 0-10%
Benchmark (tier 1): Nifty Services Sector TRI
Exit load: Nil - If up to 25% of the units invested are redeemed or withdrawn by way of SWP within 365 days from the date of allotment. Any redemptions or withdrawals by way of SWP in excess of the above mentioned limit would be subject to an exit load of 1 % of the applicable NAV will be charged, if the units are redeemed within 365 days from the date of allotment of units For redemption or withdrawal by way of SWP after 365 days from the date of allotment - Nil. Further, exit load will be waived on Intra-scheme and Inter scheme Switchouts/STP. Generally, the exit load will be calculated on First in Fi…
Minimum application: 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), Direct plan | 0.85% | 1.15% |
| AUM, whole scheme (₹ crore) | 4,999 | 1,272 |
| 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) | 2.6% | -7.8% TRI |
| Return, 3 years (AMFI) | 13.0% | 6.2% TRI |
| Return, 5 years (AMFI) | 12.4% | 4.6% TRI |
| Month-ends above category median (3Y CAGR) | 66% | 53% median |
| Month-ends in category top quartile (3Y) | 20% | 24% median |
| 7Y rolling CAGR, median (monthly windows) | 20.4% | 15.2% median |
Official benchmark: Nifty Services Sector TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -3.5% | -7.8% | +4.3% |
| 2025 | 11.9% | 7.7% | +4.2% |
| 2024 | 19.3% | 15.6% | +3.6% |
| 2023 | 29.6% | 26.5% | +3.0% |
| 2022 | 4.6% | 3.8% | +0.9% |
| 2021 | 46.8% | 30.6% | +16.2% |
| 2020 | 16.6% | 17.2% | −0.6% |
| 2019 | 22.7% | 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 | ₹1,19,866 | -0.2% |
| 3 years | ₹3,60,000 | ₹3,99,145 | 6.8% |
| 5 years | ₹6,00,000 | ₹8,08,564 | 11.9% |
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: Direct · Growth
AMFI scheme code: 144835
ISIN: INF903JA1FA2
First NAV in MFIC data: 25 Sep 2018
History: 8.0 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 |
|---|---|---|---|
| WhiteOak Capital ESG Best-In-Class Strategy Fund | Sectoral/Thematic | 0.96 | n/a |
| PGIM India Large and Midcap Fund | Large & Mid Cap | 0.96 | n/a |
| WhiteOak Capital Flexi Cap Fund | Flexi Cap | 0.96 | 13.4% |
| UTI ELSS Tax Saver Fund | ELSS | 0.96 | 6.9% |
| Bandhan Business Cycle Fund | Sectoral/Thematic | 0.96 | n/a |
| PGIM India ELSS Tax Saver Fund | ELSS | 0.96 | 8.3% |
Questions about Sundaram Services Fund
- What is the latest NAV of Sundaram Services Fund?
- The NAV of the Direct plan (growth option) was ₹38.0015 on 1 Oct 2026, as published by AMFI.
- Which category is Sundaram Services 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 253 Sectoral/Thematic schemes (Direct plans).
- What returns has Sundaram Services Fund delivered?
- Over one year the NAV changed by 0.5%. The 3-year CAGR is 12.6% (category median 13.0%) and the 5-year CAGR is 12.2% (category median 12.0%). 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 21.6%, the lowest was 12.6%, and 100% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 100% of those periods.
- What was the largest fall in Sundaram Services Fund's NAV?
- The largest peak-to-trough fall in its available history was 39.6%; within the last five years it was 17.4% (category median 22.3%).
- How volatile is Sundaram Services Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.5%, which is below the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in Sundaram Services 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 ₹8,08,564 on 1 Oct 2026, an annualised return (XIRR) of 11.9%. This uses the Direct 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 Services Fund?
- The total expense ratio of the Direct plan is 0.85% a year, as disclosed to AMFI (median of Sectoral/Thematic Direct plans: 1.15%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Sundaram Services Fund?
- Assets under management of the whole scheme were ₹4,999 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Sundaram Services 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 Services Fund and how has it compared?
- Its official benchmark is the Nifty Services Sector TRI. Over 3 years AMFI reports a return of 13.0% for this plan against 6.2% for the benchmark total return index; over 5 years 12.4% against 4.6%. Past performance does not indicate future results.
- How often has Sundaram Services Fund beaten its category?
- At 66% of the 61 month-ends compared over the last 10 years, its 3-year return was above the median of Sectoral/Thematic schemes (Direct plans); it was in the top quarter at 20% of them. A typical scheme would show about 50%.
- Who manages Sundaram Services Fund?
- According to its Scheme Summary Document, Sundaram Services Fund is managed by Rohit Seksaria (since 24 Feb 2021), Shalav Saket (since 24 Feb 2021).
- What is the exit load of Sundaram Services Fund?
- As stated in its scheme documents: Nil - If up to 25% of the units invested are redeemed or withdrawn by way of SWP within 365 days from the date of allotment. Any redemptions or withdrawals by way of SWP in excess of the above mentioned limit would be subject to an exit load of 1 % of the applicable NAV will be charged, if the units are redeemed within 365 days from the date of allotment of units For redemption or withdrawal by way of SWP after 365 days from the date of allotment - Nil. Further, exit load will be waived on Intra-scheme and Inter scheme Switchouts/STP. Generally, the exit load will be calculated on First in Fi… Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Sundaram Services Fund?
- The minimum application amount is 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 0.5% and the Regular plan's by -0.7%. 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 Direct 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.