Mutual Funds › MFIC › Equity Savings › Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)
Sundaram Mutual Fund · Equity Savings · Direct plan, growth option
NAV (₹), 1 Oct 2026
82.2445
1-day change
-0.43%
1Y return
-0.1%
3Y CAGR
8.3%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 3 Jan 2022 to 1 Oct 2026
Returns vs Equity Savings median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -2.9% | -1.7% |
| 3 months | -1.3% | -0.3% |
| 6 months | 2.9% | 3.6% |
| Year to date | -2.4% | 0.8% |
| 1 year | -0.1% | 2.8% |
| 3 years (CAGR) | 8.3% | 8.1% |
| 5 years (CAGR) | n/a | 7.4% |
| 7 years (CAGR) | n/a | 9.1% |
| 10 years (CAGR) | n/a | 8.2% |
| Since first NAV (CAGR) | 8.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 10.7% | 8.8% |
| 3Y rolling median | 12.6% | 10.0% |
| 3Y rolling worst | 8.3% | 2.6% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 9.8% |
| 5Y rolling worst | n/a | 6.6% |
| 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.) | 6.2% | 5.2% |
| Sharpe ratio | 0.35 | 0.30 |
| Sortino ratio | 0.49 | 0.43 |
| 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 | −6.2% | −16.4% |
| Maximum drawdown, last 10Y | n/a | −17.7% |
| Maximum drawdown, last 5Y | n/a | −5.9% |
| Current drawdown | −3.3% | −2.0% |
| Recovery time of worst fall | 126 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 2.79% a year and the Direct plan's 1.35%, a gap of 1.44%; over the last 3 years the Direct plan returned 1.67 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 ₹30,66,728.
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 1.34% to 1.35% (AMFI TER disclosure)
- 12 Sep 2026: TER increased from 1.33% to 1.34% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Clyton Richard Fernandes | 1 Dec 2018 | |
| Rohit Seksaria | 1 Dec 2018 | |
| Kumaresh Ramakrishnan | 1 Dec 2018 |
Objective: An open ended scheme investing in equity, arbitrage and debt.The investment objective of the Scheme is to provide capital appreciation and income distribution to the investors by using equity and equity related instruments, arbitrage opportunities, and investments in debt and money market instruments
Stated asset allocation: Equity & Equity related instruments (including derivatives): 65%-90%; Derivatives: 25%-75%; Unhedged Equity position: 15%-40%; Fixed Income and money market: 10%-35%; Units issued by InvITs: 0%-10%
Benchmark (tier 1): Nifty Equity Savings Index
Exit load: 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch/STP within 07 days from the date of allotment. NIL - For redemption or withdrawn by way of SWP or transfer by way of Switch/STP after 07 days from the date of allotment.
Minimum application: New Investor/Existing – Rs.100/- for Quarterly IDCW, halfyearly IDCW and Growth Option.
Allotment date: 1 May 2002
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 | 1.35% | 1.23% |
| AUM, whole scheme (₹ crore) | 943 | 774 |
| 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) | 0.7% | 1.5% TRI |
| Return, 3 years (AMFI) | 8.4% | 7.1% TRI |
| Return, 5 years (AMFI) | 8.7% | 6.6% TRI |
| Month-ends above category median (3Y CAGR) | 100% | 49% median |
| Month-ends in category top quartile (3Y) | 76% | 26% median |
Official benchmark: Nifty Equity Savings Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Equity Savings Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -2.4% | n/a | – |
| 2025 | 8.0% | n/a | – |
| 2024 | 14.5% | n/a | – |
| 2023 | 17.3% | 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 | ₹1,18,667 | -2.1% |
| 3 years | ₹3,60,000 | ₹3,83,733 | 4.2% |
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: Equity Savings
Plan / option: Direct · Growth
AMFI scheme code: 149679
ISIN: INF173K01GZ9
First NAV in MFIC data: 3 Jan 2022
History: 4.7 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 |
|---|---|---|---|
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.98 | n/a |
| WhiteOak Capital Balanced Hybrid Fund | Balanced Hybrid | 0.96 | n/a |
| UTI Aggressive Hybrid Fund | Aggressive Hybrid | 0.96 | 9.5% |
| Nippon India Aggressive Hybrid Fund (Existing Number of Segregated Portfolios - 2) | Aggressive Hybrid | 0.96 | 9.4% |
| Edelweiss Aggressive Hybrid Fund | Aggressive Hybrid | 0.96 | 12.0% |
| Mirae Asset Balanced Advantage Fund | Balanced Advantage | 0.96 | 9.6% |
Questions about Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)
- What is the latest NAV of Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- The NAV of the Direct plan (growth option) was ₹82.2445 on 1 Oct 2026, as published by AMFI.
- Which category is Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) in?
- It is classified as Equity Savings in AMFI's daily NAV file. MFIC compares it with 24 Equity Savings schemes (Direct plans).
- What returns has Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) delivered?
- Over one year the NAV changed by -0.1%. The 3-year CAGR is 8.3% (category median 8.1%). 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 12.6%, the lowest was 8.3%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)'s NAV?
- The largest peak-to-trough fall in its available history was 6.2%.
- How volatile is Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- Its annualised standard deviation of monthly returns over the last 36 months is 6.2%, which is above the Equity Savings category median of 5.2%.
- What would a monthly SIP in Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,83,733 on 1 Oct 2026, an annualised return (XIRR) of 4.2%. 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 Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- The total expense ratio of the Direct plan is 1.35% a year, as disclosed to AMFI (median of Equity Savings Direct plans: 1.23%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- Assets under management of the whole scheme were ₹943 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) and how has it compared?
- Its official benchmark is the Nifty Equity Savings Index. Over 3 years AMFI reports a return of 8.4% for this plan against 7.1% for the benchmark total return index; over 5 years 8.7% against 6.6%. Past performance does not indicate future results.
- How often has Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) beaten its category?
- At 100% of the 21 month-ends compared over the last 10 years, its 3-year return was above the median of Equity Savings schemes (Direct plans); it was in the top quarter at 76% of them. A typical scheme would show about 50%.
- Who manages Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- According to its Scheme Summary Document, Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) is managed by Clyton Richard Fernandes (since 1 Dec 2018), Rohit Seksaria (since 1 Dec 2018), Kumaresh Ramakrishnan (since 1 Dec 2018).
- What is the exit load of Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- As stated in its scheme documents: 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch/STP within 07 days from the date of allotment. NIL - For redemption or withdrawn by way of SWP or transfer by way of Switch/STP after 07 days from the date of allotment. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)?
- The minimum application amount is New Investor/Existing – Rs.100/- for Quarterly IDCW, halfyearly IDCW and Growth Option.. SIP details: "SIP: Weekly: Rs. 1000, Daily, Monthly: Rs.100, Quarterly: Rs. 750. STP: Daily, Weekly - Rs. 1000, Monthly: Rs. 100, Quarterly: Rs. 750 SWP: Monthly and Quarterly - Rs.100".
- 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 -0.1% and the Regular plan's by -1.5%. 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 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.