Mutual Funds › MFIC › Banking & PSU › Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
Sundaram Mutual Fund · Banking & PSU · Regular plan, growth option
NAV (₹), 1 Oct 2026
45.7508
1-day change
-0.02%
1Y return
4.6%
3Y CAGR
6.9%
5Y CAGR
5.8%
Max drawdown, 5Y
−1.5%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Banking & PSU median (20 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.2% | 0.1% |
| 3 months | 0.6% | 0.3% |
| 6 months | 2.9% | 2.9% |
| Year to date | 3.3% | 3.1% |
| 1 year | 4.6% | 4.4% |
| 3 years (CAGR) | 6.9% | 6.7% |
| 5 years (CAGR) | 5.8% | 5.8% |
| 7 years (CAGR) | 5.9% | 6.4% |
| 10 years (CAGR) | 6.3% | 6.7% |
| Since first NAV (CAGR) | 7.3% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.0% | 7.5% |
| 3Y rolling median | 7.6% | 7.3% |
| 3Y rolling worst | 3.9% | 4.4% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.7% | 6.9% |
| 5Y rolling worst | 5.5% | 5.6% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.4% | 1.5% |
| Sharpe ratio | 0.16 | 0.04 |
| Sortino ratio | 0.26 | 0.07 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −1.8% | −3.1% |
| Maximum drawdown, last 10Y | −1.8% | −3.1% |
| Maximum drawdown, last 5Y | −1.5% | −1.1% |
| Current drawdown | −0.2% | −0.3% |
| Recovery time of worst fall | n/a | – |
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:
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
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 0.42% a year and the Direct plan's 0.27%, a gap of 0.15%; over the last 3 years the Direct plan returned 0.16 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 ₹3,98,573.
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.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sandeep Agarwal | 1 Jul 2010 | |
| Kumaresh Ramakrishnan | 1 Jul 2010 | |
| Ronak Shah | 1 Jul 2010 |
Objective: To generate income and capital appreciation by predominantly investing in debt instruments of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds. 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: Debt instruments of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds: 80%-100%; Other debt securities and Money Market Instruments: 0%-20%
Benchmark (tier 1): NIFTY Banking & PSU Debt Index
Minimum application: For first investment - Rs.5,000
Allotment date: 29 Dec 2004
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 | 0.42% | 0.71% |
| AUM, whole scheme (₹ crore) | 258 | 2,863 |
| Riskometer | Moderate | – |
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) | 4.7% | 4.4% TRI |
| Return, 3 years (AMFI) | 6.9% | 6.6% TRI |
| Return, 5 years (AMFI) | 5.8% | 5.6% TRI |
| Month-ends above category median (3Y CAGR) | 15% | 48% median |
| Month-ends in category top quartile (3Y) | 13% | 23% median |
| 7Y rolling CAGR, median (monthly windows) | 7.2% | 7.1% median |
Official benchmark: NIFTY Banking & PSU Debt Index A-II (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Banking & PSU Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 3.3% | n/a | – |
| 2025 | 7.6% | n/a | – |
| 2024 | 8.0% | n/a | – |
| 2023 | 6.8% | n/a | – |
| 2022 | 3.0% | n/a | – |
| 2021 | 2.9% | n/a | – |
| 2020 | 7.6% | n/a | – |
| 2019 | 10.1% | n/a | – |
| 2018 | 6.1% | n/a | – |
| 2017 | 6.2% | n/a | – |
No free benchmark proxy for this category. 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 | ₹1,22,955 | 4.6% |
| 3 years | ₹3,60,000 | ₹3,95,232 | 6.2% |
| 5 years | ₹6,00,000 | ₹7,04,788 | 6.4% |
| 10 years | ₹12,00,000 | ₹16,45,722 | 6.2% |
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: Banking & PSU
Plan / option: Regular · Growth
AMFI scheme code: 100784
ISIN: INF903J01IN3
First NAV in MFIC data: 3 Apr 2006
History: 20.5 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 |
|---|---|---|---|
| HSBC Short Term Fund | Short Duration | 0.98 | 7.2% |
| HSBC Short Term Fund | Short Duration | 0.98 | 6.8% |
| HSBC Short Term Fund | Short Duration | 0.98 | 6.8% |
| Bajaj Finserv Banking and PSU Debt Fund | Banking & PSU | 0.98 | n/a |
| Kotak Short Term Fund | Short Duration | 0.98 | 6.6% |
| Canara Robeco Short Term Fund | Short Duration | 0.98 | 6.3% |
Questions about Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
- What is the latest NAV of Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- The NAV of the Regular plan (growth option) was ₹45.7508 on 1 Oct 2026, as published by AMFI.
- Which category is Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund) in?
- It is classified as Banking & PSU in AMFI's daily NAV file. MFIC compares it with 20 Banking & PSU schemes (Regular plans).
- What returns has Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund) delivered?
- Over one year the NAV changed by 4.6%. The 3-year CAGR is 6.9% (category median 6.7%) and the 5-year CAGR is 5.8% (category median 5.8%). 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 7.6%, the lowest was 3.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)'s NAV?
- The largest peak-to-trough fall in its available history was 1.8%; within the last five years it was 1.5% (category median 1.1%).
- How volatile is Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.4%, which is below the Banking & PSU category median of 1.5%.
- What would a monthly SIP in Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU 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 ₹7,04,788 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 Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- The total expense ratio of the Regular plan is 0.42% a year, as disclosed to AMFI (median of Banking & PSU Regular plans: 0.71%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- Assets under management of the whole scheme were ₹258 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund) and how has it compared?
- Its official benchmark is the NIFTY Banking & PSU Debt Index A-II. Over 3 years AMFI reports a return of 6.9% for this plan against 6.6% for the benchmark total return index; over 5 years 5.8% against 5.6%. Past performance does not indicate future results.
- How often has Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund) beaten its category?
- At 15% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Banking & PSU schemes (Regular plans); it was in the top quarter at 13% of them. A typical scheme would show about 50%.
- Who manages Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- According to its Scheme Summary Document, Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund) is managed by Sandeep Agarwal (since 1 Jul 2010), Kumaresh Ramakrishnan (since 1 Jul 2010), Ronak Shah (since 1 Jul 2010).
- What is the minimum investment in Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)?
- The minimum application amount is For first investment - Rs.5,000. SIP details: SIP: Weekly, Monthly, Quarterly: Rs.1000; STP: Daily, Weekly: Rs.1000, Monthly: Rs.250, Quarterly: Rs.750; SWP: Monthly and Quarterly: Rs.500.
- 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 4.7% and the Regular plan's by 4.6%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund 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.