Sundaram Banking & PSU Fund - INSTITUTIONAL - 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.

No of Debt Holding 37 (Category Avg - 60.76) | Modified Duration 3.30 Years (Category Avg - 3.00)| Yield to Maturity 6.77% (Category Avg - 6.69%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	18.87%	15.24%
CD	3.66%	5.63%
T-Bills	0.00%	0.04%
CP	0.00%	0.08%
NCD & Bonds	73.02%	72.69%
PTC	0.00%	0.96%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	18.87%	15.27%
Low Risk	76.68%	79.36%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	LAAA	ICRA	305.08	7.62%	300.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	254.59	6.36%	250.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	254.38	6.36%	2.50 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	248.07	6.20%	2.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	203.00	5.07%	2.00 k
Bond - Govt of India	GOI	Other			201.98	5.05%	20.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	153.23	3.83%	1.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	152.66	3.81%	1.50 k
Bond - Govt of India	GOI	Other			108.06	2.70%	11.00 L
Bond - Govt of India	GOI	Other			104.48	2.61%	10.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	LAAA	ICRA	101.85	2.55%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	101.73	2.54%	1.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	101.68	2.54%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	101.62	2.54%	1.00 k
Bond - Govt of India	GOI	Other			101.08	2.53%	10.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	100.00	2.50%	1.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	99.83	2.49%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	99.61	2.49%	1.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	LAAA	ICRA	99.08	2.48%	1.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	97.51	2.44%	200.00
Bond - Govt of India	GOI	Other			78.63	1.96%	8.00 L
Bond - Govt of India	GOI	Other			51.58	1.29%	5.00 L
Bond - Govt of India	GOI	Other			51.56	1.29%	5.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	51.09	1.28%	500.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.72	1.27%	500.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.71	1.27%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	50.71	1.27%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	50.62	1.26%	500.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	50.60	1.26%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	50.57	1.26%	500.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	50.32	1.26%	50.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	50.27	1.26%	500.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.20	1.25%	500.00
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	48.63	1.22%	100.00
Bond - Govt of India	GOI	Other			47.72	1.19%	5.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	39.85	1.00%	400.00
Bond - Govt of India	GOI	Other			9.91	0.25%	1.00 L