Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 63/100 · Average
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)7.02%
- Expense ratio (20%)0.27%
- AUM (15%)₹262 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Sundaram Mutual Fund · Debt · Banking and PSU
₹46.46
AUM: ₹261 Cr
NAV updated 3 days ago
Plan
Direct
Option
Idcw
Risk
Moderate
Expense Ratio
0.27%
Exit Load
Nil
Fund Manager
Dwijendra Srivastava, Siddharth Chaudhary
Inception
Jan 2013
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-1.28
Std Dev (1Y)
6.98%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.09%
3m
+0.77%
6m
+2.96%
1y
+4.96%
3y
+7.02%
5y
+5.98%
10y
+6.47%
since inception
+0.72%
TopFund's Take on Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) sits in the middle of the pack for Banking and PSU funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 63/100.
Cost: At 0.27%, the expense ratio is meaningfully cheaper — about 23% below the Banking and PSU category average of 0.35% (based on 143 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.28 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 6.98% is on the lower side for a Banking and PSU fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
Similar Funds
Franklin India Banking & PSU Debt Fund - Direct - Growth
Franklin Templeton Mutual Fund
Franklin India Banking & PSU Debt Fund - Growth
Franklin Templeton Mutual Fund
UTI Banking & PSU Fund - Direct Plan - Growth Option
UTI Mutual Fund
Bandhan Banking and PSU Fund - Direct Growth
IDFC Mutual Fund
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth
ICICI Prudential Mutual Fund
ICICI Prudential Banking and PSU Debt Fund - Growth
ICICI Prudential Mutual Fund
Tools & Guides for This Fund
Frequently Asked Questions about Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)
The current NAV (Net Asset Value) of Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) is ₹46.46. NAV is updated every business day after market close by AMFI.
1Y: 4.96% · 3Y CAGR: 7.02% · 5Y CAGR: 5.98%
The expense ratio of Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) is 0.27% per annum. This is the annual fee charged by the fund to manage your investment.
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) is managed by Dwijendra Srivastava, Siddharth Chaudhary at Sundaram Mutual Fund.
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) is a Banking and PSU fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) is ₹262 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
Discussion
User-generated content — not investment advice, and not verified or endorsed by TopFund.
No comments yet — start the discussion.