Sundaram Rural and Consumption Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Sectoral/Thematic

Fund House : Sundaram Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 40.7004 0.24%
(as on 16th October, 2019)

Crisil Rank

Very good performance among peers

Fund Size

: ₹ 2121.22 Cr

(3.22% of Investment in Category)

Expense Ratio

: 2.13%

(2.39% Category average)

Risk-O-Meter

Moderately High

Buy Recommended

Sectoral/Thematic :Sectoral/Thematic : Fund has 96.97% investment in indian stocks of which 43.81% is in large cap stocks, 29.14% is in mid cap stocks, 21.75% in small cap stocks.Fund has 0.02% investment in Debt of which , 0.02% in funds invested in very low risk securities..

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

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This Scheme

VS

Benchmark
Nifty 500 TRI

3.03%

-2.2%

-4.34%

5.63%

2.88%

9.58%

0%
NA
2.55%

-0.82%

-2.9%

5.22%

1.1%

8.56%

8.83%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 16th October, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	09-Oct-19	10057.90	0.58%	-	1.19%	75/102
1 Month	16-Sep-19	10445.70	4.46%	-	2.55%	33/102
3 Month	16-Jul-19	10165.40	1.65%	-	-0.82%	27/102
6 Month	16-Apr-19	9643.50	-3.56%	-	-2.90%	53/98
YTD	01-Jan-19	9910.20	-0.90%	-	-1.97%	55/97
1 Year	16-Oct-18	10555.40	5.55%	5.55%	5.22%	41/91
2 Year	16-Oct-17	9728.50	-2.71%	-1.37%	1.10%	48/81
3 Year	14-Oct-16	11650.60	16.51%	5.21%	6.72%	50/81
5 Year	16-Oct-14	18342.70	83.43%	12.89%	8.56%	7/70
10 Year	16-Oct-09	31356.00	213.56%	12.10%	9.28%	18/57
Since Inception	15-May-06	40700.40	307.00%	11.02%	8.83%	41/102

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 16th October, 2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	16-Oct-18	12000	12267.39	2.23 %	4.15 %
2 Year	16-Oct-17	24000	23758.45	-1.01 %	-0.97 %
3 Year	14-Oct-16	36000	37078.89	3 %	1.93 %
5 Year	16-Oct-14	60000	74176.07	23.63 %	8.41 %
10 Year	16-Oct-09	120000	233499.43	94.58 %	12.77 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 30th Sep,2019)

Equity Holding : 96.97% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 96.97%

No of Stocks : 55 (Category Avg - 32.76) | Large Cap Investments : 43.81%| Mid Cap Investments : 29.14% | Small Cap Investments : 21.75% | Other : 2.26%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Cr)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Hindustan Unilever Ltd.	Diversified	1139.6	5.37%	-0.13%	5.5% (Aug 2019)	4.16% (Mar 2019)	5.75 L	-0.25 L
City Union Bank Ltd.	Banks	677.8	3.20%	0.13%	3.2% (Sep 2019)	1.97% (Nov 2018)	31.00 L	0.00
Asian Paints (india) Ltd.	Paints	669.6	3.16%	0.16%	3.16% (Sep 2019)	2.28% (Oct 2018)	3.80 L	0.00
Tata Global Beverages Ltd.	Tea & coffee	662.4	3.12%	-0.13%	3.26% (Aug 2019)	1.99% (Mar 2019)	24.00 L	0.00
Mahindra & Mahindra Ltd.	Passenger/utility vehicles	656.6	3.10%	-0.13%	4.97% (Oct 2018)	3.1% (Sep 2019)	12.00 L	-0.50 L
Crompton Greaves Consumer Electricals Ltd.	Home appliances	626.8	2.95%	0.14%	2.95% (Sep 2019)	1.03% (Nov 2018)	25.04 L	0.00
Bata India Ltd.	Leather and leather products	585.6	2.76%	0.21%	2.76% (Sep 2019)	1.72% (Oct 2018)	3.40 L	0.00
ITC Limited	Cigarettes	584.7	2.76%	-0.24%	5.65% (Apr 2019)	2.76% (Sep 2019)	22.50 L	-2.50 L
Varun Beverages Ltd.	Consumer food	570.1	2.69%	0.04%	2.69% (Sep 2019)	1.59% (Nov 2018)	9.14 L	73.53 k
SBI Life Insurance Co Ltd.	Insurance	550.2	2.59%	-0.06%	2.66% (Aug 2019)	1.32% (Nov 2018)	6.50 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 0.32) | Modified Duration 1.63 Years (Category Avg - 1.21)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
NCD-ST	0.02%	0.01%
NCD & Bonds	0.00%	0.11%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.00%	0.00%
Low Risk	0.02%	0.11%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
MF Units	MF Units	2.83%
TREPS	TREPS	0.15%
Net Receivables	Net Receivables	0.04%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

15.29vs12.1

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.06vs0.61

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.13vs0.14

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.02vs2.32

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-0.84vs-0.35

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Banking And Financial Services Fund - Growth	NA	350.85	5.74	-0.48	4.25	23.96	14.44
BNP Paribas India Consumption Fund - Growth	NA	418.95	7.15	5.16	5.84	21.46	0.00
Sundaram Select Thematic Funds Financial Services Opportunities - Growth	NA	192.90	5.08	-1.05	4.51	20.98	11.15
Taurus Banking and Financial Services Fund - Growth	NA	7.09	5.97	-0.68	1.77	19.40	14.79
Baroda Banking and Financial Services Fund - Plan A - Growth	NA	44.58	4.04	-3.34	0.39	17.81	10.80
LIC MF BANKING & FINANCIAL SERVICES FUND - Regular Plan - Growth	NA	57.86	4.56	-2.31	0.25	17.80	3.37
Canara Robeco Consumer Trends Fund - Regular Plan- Growth	NA	353.75	8.19	5.92	3.88	17.73	12.07
SBI Banking & Financial Services Fund - Growth	NA	1127.64	4.17	-3.54	-0.24	16.90	14.67
Sundaram Services Fund - Growth	NA	1215.51	6.64	4.57	4.43	15.66	0.00
Invesco India Financial Services Fund - Regular Plan - Growth	NA	163.33	5.36	-2.12	-0.05	15.64	13.79

Detailed Comparison

More Funds from Sundaram Mutual Fund

Out of 72 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 5 is/are ranked 4 * , 2 is/are ranked 3 * , 5 is/are ranked 2 * , 2 is/are ranked 1 * , and 56 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Sundaram Money Fund - Regular Plan - Growth	3	5855.43	0.46	1.49	3.26	7.12	6.98
Sundaram Mid Cap Fund - Growth	2	5723.11	1.63	-3.88	-8.02	-2.28	0.95
Sundaram Diversified Equity - Growth	2	2569.10	4.09	-1.40	-4.15	4.83	4.77
Sundaram Rural and Consumption Fund - Growth	5	2121.22	4.46	1.65	-3.56	5.55	5.21
Sundaram Equity Hybrid Fund - Growth	4	1764.13	3.65	0.70	1.35	8.95	8.24
Sundaram Services Fund - Growth	NA	1215.51	6.64	4.57	4.43	15.66	0.00
Sundaram Banking & PSU Debt Fund - INSTITUTIONAL - Growth	4	1073.32	0.68	2.47	5.21	10.99	7.35
Sundaram Small Cap Fund - Growth	1	1046.17	-3.25	-8.59	-15.54	-10.51	-4.30
Sundaram Select Focus - Growth	4	1005.94	4.27	-0.20	0.74	11.39	12.47
Sundaram Large and Mid Cap Fund - Growth	5	794.43	7.35	3.08	0.76	11.58	11.74