Sharpe ratio
0.54Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.27%1Y Absolute Return
-0.07%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - GrowthFund 5Y annualised return | ₹8,47,096 | ₹7,32,612 | ₹1,14,484 | +6.03% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.8 yrs
Fund information
Scheme code119625
ISININF903J01PA5
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.27%
Exit loadNil
Minimum SIP₹250 SIP
Return comparison
25th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.13% | — | — |
| 3M | +1.53% | — | — |
| 6M | +5.79% | — | — |
| 1Y | +4.27% | — | +1.68% |
| 3Y | +6.92% | — | +3.16% |
| 5Y | +6.03% | — | +2.94% |
| 10Y | +6.41% | — | — |
| Since Launch | +7.04% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.97Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.27%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
3.95How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt92.43%
Cash7.57%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 31 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC BANK LIMITED SR US003 7.70 NCD 16MY28 FVRS1LAC | Financial | Debenture | 8.9724% |
| EXPORT IMPORT BANK OF INDIA SR AA02 7.35 BD 27JL28 FVRS1LAC | Financial | Bonds | 7.1846% |
| NATIONAL HOUSING BANK 7.59 BD 14JL27 FVRS1LAC | Financial | Debenture | 7.1762% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR V 7.22 BD 10AP29 FVRS1LAC | Financial | Debenture | 7.1303% |
| INDIAN OIL CORPORATION LIMITED SR XXV 7.44 NCD 25NV27 FVRS10LAC | Energy & Utilities | Non Convertible Debenture | 5.3763% |
| Repo | Unspecified | Repo | 5.2682% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC | Financial | Non Convertible Debenture | 3.6042% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC | Financial | Bonds | 3.5836% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID20272 7.3700 BD 16JL29 FVRS1LAC | Financial | Bonds | 3.5775% |
| STATE BANK OF INDIA SR 1 6.93 BD 20OT35 FVRS1CR | Financial | Bonds | 3.5665% |
Fund management
SA
Sandeep Agarwal
Since 2022 · Prior to joining Sundaram Mutual Fund he has worked with Deutsche AMC.
Mr. Agarwal is a B.Com (H) from University of Kota, Chartered Accountant and CS.
KU
Kumaresh Ramakrishnan
Since 2026 · Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, DWS AMC, Societe Generale and CARE.
Mr. Ramakrishnan is a B.E from Mumbai University and MBA from NMIMS (Mumbai).
Compare similar funds
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Summary
A moderate-risk debt scheme - banking and psu fund. Losses and swings stayed contained — worst fall -1.8%, volatility 1.3%. Financial makes up 78% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.8%, volatility 1.3%.
- Recovered from its worst fall in 0 months.
- Ranks 25 of 143 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 78% — trouble in that sector hits the whole fund.