Sundaram Financial Services Opportunities Fund
Sundaram Mutual Fund · Sectoral/Thematic · Regular plan, growth option
NAV (₹), 1 Oct 2026
102.6841
1-day change
-0.91%
1Y return
1.0%
3Y CAGR
9.5%
5Y CAGR
11.4%
Max drawdown, 5Y
−20.8%
NAV history month-end NAV, ₹ · 16 Jun 2008 to 1 Oct 2026
Returns vs Sectoral/Thematic median (259 schemes) and “Banking & financial services” median (28)
| Period | Scheme | Category median | Banking & financial services median |
|---|---|---|---|
| 1 month | -5.9% | -5.4% | -6.2% |
| 3 months | -6.2% | -3.1% | -6.7% |
| 6 months | 7.1% | 8.5% | 5.9% |
| Year to date | -6.6% | -2.6% | -6.9% |
| 1 year | 1.0% | 0.0% | -1.0% |
| 3 years (CAGR) | 9.5% | 11.7% | 9.5% |
| 5 years (CAGR) | 11.4% | 10.6% | 9.6% |
| 7 years (CAGR) | 13.1% | 15.7% | 11.2% |
| 10 years (CAGR) | 12.4% | 13.3% | 11.0% |
| Since first NAV (CAGR) | 13.6% | – | – |
“Banking & financial services” 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 | 13.9% | 9.8% |
| 3Y rolling median | 14.5% | 15.6% |
| 3Y rolling worst | -12.4% | 0.6% |
| 3Y periods positive | 91% | 100% |
| 3Y periods ahead of benchmark | 79% | 71% |
| 5Y rolling median | 13.6% | 14.2% |
| 5Y rolling worst | -0.8% | 0.3% |
| 5Y periods ahead of benchmark | 72% | 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.) | 17.0% | 16.7% |
| Sharpe ratio | 0.20 | 0.34 |
| Sortino ratio | 0.29 | 0.51 |
| Beta | 0.96 | 0.96 |
| Alpha (ann.) | 0.1% | 2.3% |
| Upside capture | 98.24 | 103.56 |
| Downside capture | 98.17 | 96.87 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −43.3% | −23.7% |
| Maximum drawdown, last 10Y | −43.3% | −39.3% |
| Maximum drawdown, last 5Y | −20.8% | −22.8% |
| Current drawdown | −9.1% | −8.8% |
| Recovery time of worst fall | 276 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 markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
54,450.75 −0.33%
NSE close, 1 Oct 2026
- P/E 12.9: higher than 2% of days since 2022 (median 15.2)
- 1Y −1.2% · 3Y +7.5% p.a. · 5Y +8.5% p.a. (index fund NAV, after costs)
- −11.5% from its 52-week high
24,556.10 −0.38%
NSE close, 1 Oct 2026
- P/E 15.1: higher than 0% of days since 2022 (median 17.3)
- 1Y −6.9% · 3Y +7.4% p.a. · 5Y n/a p.a. (index fund NAV, after costs)
- −13.7% from its 52-week high (proxy NAV)
26,697.25 +0.01%
NSE close, 1 Oct 2026
- P/E 16.5: higher than 36% of days since 2022 (median 17.1)
- 1Y −1.1% · 3Y +4.9% p.a. · 5Y n/a p.a. (index fund NAV, after costs)
- −8.5% from its 52-week high (proxy NAV)
7,937.80 −0.98%
NSE close, 1 Oct 2026
- P/E 7.2: higher than 15% of days since 2022 (median 8.1)
- 1Y +6.1% · 3Y +14.9% p.a. · 5Y +26.6% p.a. (index fund NAV, after costs)
- −19.7% 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 2.21% a year and the Direct plan's 0.93%, a gap of 1.28%; over the last 3 years the Direct plan returned 1.47 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 ₹29,06,781.
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 2.20% to 2.21% (AMFI TER disclosure)
- 24 Sep 2026: TER increased from 2.19% to 2.20% (AMFI TER disclosure)
- 16 Sep 2026: TER reduced from 2.20% to 2.19% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 2.19% to 2.20% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Rohit Seksaria | 31 Dec 2021 | |
| Shalav Saket | 31 Dec 2021 |
Objective: To seek long-term capital appreciation by investing predominantly in equity and equity related securities of Indian companies engaged in the banking and financial services sector. 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 companies engaged in Banking and Financial Services 80-100% High Other Equities Upto 20% High Fixed Income, Money Market instruments and Cash & Cash Equivalents Upto 20% Low to Medium Investment in REITs & InvITs 0-10% Medium to High
Benchmark (tier 1): Nifty Financial Services 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: Rs.100/-
Allotment date: 1 Jun 2008
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 | 2.21% | 2.38% |
| AUM, whole scheme (₹ crore) | 1,614 | 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) | 3.5% | -4.4% TRI |
| Return, 3 years (AMFI) | 9.8% | 8.6% TRI |
| Return, 5 years (AMFI) | 11.4% | 7.1% TRI |
| Month-ends above category median (3Y CAGR) | 58% | 53% median |
| Month-ends in category top quartile (3Y) | 9% | 24% median |
| 7Y rolling CAGR, median (monthly windows) | 13.1% | 13.5% median |
Official benchmark: Nifty Financial Services 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 | -6.6% | -7.8% | +1.2% |
| 2025 | 16.9% | 7.7% | +9.3% |
| 2024 | 7.1% | 15.6% | −8.6% |
| 2023 | 31.1% | 26.5% | +4.6% |
| 2022 | 16.8% | 3.8% | +13.0% |
| 2021 | 15.3% | 30.6% | −15.3% |
| 2020 | 2.7% | 17.2% | −14.5% |
| 2019 | 26.4% | n/a | – |
| 2018 | -3.7% | n/a | – |
| 2017 | 33.3% | 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 | ₹1,15,884 | -6.3% |
| 3 years | ₹3,60,000 | ₹3,79,582 | 3.5% |
| 5 years | ₹6,00,000 | ₹7,72,891 | 10.1% |
| 10 years | ₹12,00,000 | ₹23,19,546 | 12.6% |
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: 109059
ISIN: INF903J01629
First NAV in MFIC data: 16 Jun 2008
History: 18.3 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 |
|---|---|---|---|
| HDFC Banking & Financial Services Fund | Sectoral/Thematic | 0.98 | 9.7% |
| Aditya Birla Sun Life Banking and Financial Services Fund | Sectoral/Thematic | 0.97 | 7.3% |
| Tata Banking & Financial Services Fund | Sectoral/Thematic | 0.97 | 8.5% |
| Mirae Asset Banking and Financial Services Fund | Sectoral/Thematic | 0.97 | 9.6% |
| Nippon India Banking & Financial Services Fund | Sectoral/Thematic | 0.97 | 9.3% |
| UTI - Banking and Financial Services Fund | Sectoral/Thematic | 0.97 | 10.5% |
Questions about Sundaram Financial Services Opportunities Fund
- What is the latest NAV of Sundaram Financial Services Opportunities Fund?
- The NAV of the Regular plan (growth option) was ₹102.6841 on 1 Oct 2026, as published by AMFI.
- Which category is Sundaram Financial Services Opportunities 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 Financial Services Opportunities Fund delivered?
- Over one year the NAV changed by 1.0%. The 3-year CAGR is 9.5% (category median 11.7%) and the 5-year CAGR is 11.4% (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 14.5%, the lowest was -12.4%, and 91% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 79% of those periods.
- What was the largest fall in Sundaram Financial Services Opportunities Fund's NAV?
- The largest peak-to-trough fall in its available history was 43.3%; within the last five years it was 20.8% (category median 22.8%).
- How volatile is Sundaram Financial Services Opportunities Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 17.0%, which is above the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in Sundaram Financial Services Opportunities 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 ₹7,72,891 on 1 Oct 2026, an annualised return (XIRR) of 10.1%. 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 Financial Services Opportunities Fund?
- The total expense ratio of the Regular plan is 2.21% 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 Financial Services Opportunities Fund?
- Assets under management of the whole scheme were ₹1,614 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Sundaram Financial Services Opportunities 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 Financial Services Opportunities Fund and how has it compared?
- Its official benchmark is the Nifty Financial Services TRI. Over 3 years AMFI reports a return of 9.8% for this plan against 8.6% for the benchmark total return index; over 5 years 11.4% against 7.1%. Past performance does not indicate future results.
- How often has Sundaram Financial Services Opportunities Fund beaten its category?
- At 58% 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 9% of them. A typical scheme would show about 50%.
- Who manages Sundaram Financial Services Opportunities Fund?
- According to its Scheme Summary Document, Sundaram Financial Services Opportunities Fund is managed by Rohit Seksaria (since 31 Dec 2021), Shalav Saket (since 31 Dec 2021).
- What is the exit load of Sundaram Financial Services Opportunities 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 Financial Services Opportunities Fund?
- The minimum application amount is Rs.100/-. SIP details: "SIP: Weekly: Rs. 1000, Daily, Monthly: Rs.100, Quarterly: Rs. 750. STP: Daily & Weekly: Rs. 1000, Monthly: Rs. 250, Quarterly: Rs. 750 SWP: Monthly & Qaurterly - 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 2.4% and the Regular plan's by 1.0%. 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.
Follow Sundaram Financial Services Opportunities Fund by email
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.
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.