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

: ₹ 41.1709 -0.54%
(as on 20th March, 2019)

Crisil Rank

Very good performance among peers

0

100

Fund Size

: ₹ 2327.97 Cr

(3.74% of Investment in Category)

Expense Ratio

: 2.15%

(2.52% Category average)

Risk-O-Meter

Moderately High

Buy Recommended

Sectoral/Thematic :Sectoral/Thematic : Fund has 95.38% investment in indian stocks of which 48.05% is in large cap stocks, 24.7% is in mid cap stocks, 22.64% in small cap stocks.

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

9.56%

3.75%

0.63%

8.95%

11.17%

14.99%

0%
NA
8.81%

3.01%

-0.43%

2.24%

7.74%

14.78%

9.87%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 20th March, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	13-Mar-19	9920.75	-0.79%	-	0.67%	80/95
1 Month	20-Feb-19	10750.37	7.50%	-	8.81%	47/94
3 Month	20-Dec-18	9958.30	-0.42%	-	3.01%	76/93
6 Month	21-Sep-18	9985.74	-0.14%	-	-0.43%	50/88
YTD	02-Apr-18	9840.06	-1.60%	-	2.49%	42/80
1 Year	20-Mar-18	10087.72	0.88%	0.88%	2.24%	39/80
2 Year	20-Mar-17	11339.91	13.40%	6.49%	7.74%	44/79
3 Year	21-Mar-16	16063.06	60.63%	17.13%	13.40%	16/79
5 Year	20-Mar-14	23901.41	139.01%	19.03%	14.78%	10/66
10 Year	20-Mar-09	63522.60	535.23%	20.30%	16.65%	16/52
Since Inception	15-May-06	41170.90	311.71%	11.64%	-	-/-

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 20th Mar,2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 year	20-Mar-18	12000	12110.15	0.92 %	1.71 %
2 years	20-Mar-17	24000	24232.64	0.97 %	0.93 %
3 years	20-Mar-16	36000	40095.45	11.38 %	7.13 %
5 years	20-Mar-14	60000	81901.33	36.50 %	12.41 %
10 years	20-Mar-09	120000	259154.19	115.96 %	14.73 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.|If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Portfolio (Updated on 28th Feb,2019)

Equity Holding : 95.38% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.38%

No of Stocks : 61 (Category Avg - 32.81) | Large Cap Investments : 48.05%| Mid Cap Investments : 24.7% | Small Cap Investments : 22.64% | Other : 0%

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
ITC Limited	Cigarettes	1228.4	5.28%	0.04%	5.47% (Sep 2018)	3.52% (Apr 2018)	44.50 L
- Hindustan Unilever Ltd.	Diversified	1212.9	5.21%	0.00%	5.24% (Jun 2018)	4.58% (Mar 2018)	7.00 L
Mahindra & Mahindra Ltd.	Passenger/utility vehicles	968.9	4.16%	-0.14%	5.44% (Sep 2018)	4.16% (Feb 2019)	15.00 L
UPL Ltd.	Pesticides and agrochemicals	877.6	3.77%	0.45%	3.77% (Feb 2019)	2.73% (Jul 2018)	10.00 L
Britannia Industries Ltd.	Consumer food	611.4	2.63%	-0.07%	2.7% (Jan 2019)	2.17% (Mar 2018)	2.00 L
Asian Paints (india) Ltd.	Paints	597.2	2.57%	0.03%	2.57% (Feb 2019)	1.86% (Apr 2018)	4.25 L
State Bank Of India	Banks	568.8	2.44%	-0.18%	2.62% (Jan 2019)	2% (Apr 2018)	21.14 L
Bata India Ltd.	Leather and leather products	528.4	2.27%	0.33%	2.27% (Feb 2019)	0.62% (Mar 2018)	4.10 L
- Colgate - Palmolive (India) Limited	Personal care	527.7	2.27%	0.00%	2.27% (Jan 2019)	1.49% (Apr 2018)	4.20 L
Dabur India Ltd.	Personal care	525.7	2.26%	0.01%	2.26% (Feb 2019)	1.32% (Mar 2018)	12.00 L

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

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
CBLO	CBLO	4.54%
Net Receivables	Net Receivables	0.09%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 28th February, 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

17vs13.4

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

1.1vs0.66

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.

Better risk adjusted returns

0.54vs0.26

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.

Better risk adjusted returns

0.08vs0.08

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.

Better risk adjusted returns

2.51vs-0.28

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Digital India Fund - Growth	NA	421.55	1.20	5.15	-4.38	22.34	13.31
SBI Banking & Financial Services Fund - Growth	NA	631.50	9.87	4.22	7.94	21.73	25.94
Taurus Banking and Financial Services Fund - Growth	NA	5.88	11.44	7.35	10.43	18.56	20.72
ICICI Prudential Technology Fund - Growth	3	480.49	-1.73	3.67	-4.69	16.47	12.76
SBI Technology Opportunities Fund - Regular Plan - Growth	NA	145.55	1.83	5.71	-1.17	15.70	11.62
Tata Banking And Financial Services Fund - Growth	NA	253.16	11.04	7.55	7.16	15.21	23.27
Baroda Banking and Financial Services Fund - Plan A - Growth	NA	37.61	11.28	7.00	8.42	14.47	19.33
ICICI Prudential Banking and Financial Services Fund - Growth	NA	2604.45	13.94	6.04	9.28	14.22	25.98
Aditya Birla Sun Life Digital India Fund - Regular Plan - Growth	4	482.75	2.41	5.78	-3.33	14.14	14.50
SBI Magnum Equity ESG Fund - Regular Plan - Growth	1	2103.98	8.11	3.99	3.61	13.08	13.36

Detailed Comparison

More Funds from Sundaram Mutual Fund

Out of 77 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 4 is/are ranked 4 * , 6 is/are ranked 3 * , 1 is/are ranked 2 * , 2 is/are ranked 1 * , and 61 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	6383.78	0.53	1.77	3.69	7.48	7.16
Sundaram Mid Cap Fund - Growth	3	5687.71	11.14	1.02	-2.92	-6.27	13.53
Sundaram Diversified Equity - Growth	2	2546.87	9.77	3.56	-0.91	1.92	14.01
Sundaram Rural and Consumption Fund - Growth	5	2327.97	8.76	0.20	-0.98	1.53	17.81
Sundaram Equity Hybrid Fund - Growth	4	1457.79	6.38	3.18	1.72	9.47	14.15
Sundaram Low Duration Fund - Regular Plan - Growth	3	1158.63	0.73	2.01	4.10	7.32	7.21
Sundaram Services Fund - Growth	NA	1084.18	8.53	6.71	0.00	0.00	0.00
Sundaram Small Cap Fund - Growth	1	1039.44	15.39	3.32	-1.96	-16.43	10.54
Sundaram Banking & PSU Debt Fund - INSTITUTIONAL - Growth	4	990.21	1.24	2.96	5.86	7.45	7.04
Sundaram Select Focus - Growth	4	888.27	8.88	4.55	1.89	11.10	15.49