Kotak Nifty India Consumption ETF vs Sundaram Consumption Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Kotak Nifty India Consumption ETF is an ETF fund and Sundaram Consumption Fund is a Thematic fund. In the 3 years to 30-10-2026, Kotak Nifty India Consumption ETF returned 10.9% a year and Sundaram Consumption Fund (Direct) returned 7.6% a year. Kotak Nifty India Consumption ETF charges 0.13% a year and Sundaram Consumption Fund 1.72%. Their portfolios overlap 56.8%: they hold 15 of the same securities.
Kotak Nifty India Consumption ETF
ETF
- 3 year return
- 10.9%
- Expense ratio
- 0.13%
- NAV
- ₹11.43
Sundaram Consumption Fund
Thematic
- 3 year return
- 7.6%
- Expense ratio
- 1.72%
- NAV
- ₹99.16
Which is better, Kotak Nifty India Consumption ETF or Sundaram Consumption? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Kotak Nifty India Consumption ETF returned more over 3 years: 10.9% a year against 7.6%.
- Kotak Nifty India Consumption ETF returned more over 1 year: −10.6% against −11.2%.
- Kotak Nifty India Consumption ETF costs less: 0.13% a year against 1.72%.
- Sundaram Consumption swung less over 3 years: a standard deviation of 13.3% a year against 13.9%.
- Kotak Nifty India Consumption ETF fell less in its worst fall since 03-08-2022: −21.9% against −23.7%.
- Kotak Nifty India Consumption ETF holds more in large companies: 88.1% of the fund in large caps against 67.8%.
- Sundaram Consumption is the larger fund: ₹1,408 Cr against ₹32 Cr.
- Their portfolios overlap 56.8%: 15 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Kotak Nifty India Consumption ETF | Sundaram Consumption Fund |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | Sundaram Mutual Fund |
| Category | ETF | Thematic |
| AUM | ₹32 Cr (30-09-2026) | ₹1,408 Cr (30-09-2026) |
| NAV | ₹11.43 | ₹99.16 (Direct) |
| Expense ratio (Direct) | Not available | 1.72% |
| Expense ratio (Regular) | Not available | 2.57% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 28-07-2022 | 01-01-2013 |
| Minimum investment | Ongoing purchases directly from the Mutual Fund would be restricted to Market Makers/ Market Makers and Large Investors provided the value of units to be purchased in creation unit size or in multiples thereof. Market Makers and Large Investors may buy th | For both Regular and Direct Plan Rs. 100/– |
| Lock in | None | None |
| Fund managers | Satish Dondapati, Abhishek Bisen, Jeetu Valechha Sonar | Anuj Bansal, Rohit Seksaria, Shalav Saket |
| Exit load | NIL | 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch / STP within 30 days from the date of allotment; NIL - For redemption or withdrawn by way of SWP or transfer by way of Switch/STP after 30 days from the date of allotment; Further, exit load will be waived on Intra-scheme Switch-outs/STP; Generally, the exit load will be calculated on First in First out (FIFO) basis. |
Kotak Nifty India Consumption ETF vs Sundaram Consumption: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Kotak Nifty India Consumption ETF | +0.16% | −8.12% | −2.25% | −10.62% | +10.88% | -- | -- |
| Sundaram Consumption Fund (Direct) | −1.32% | −5.69% | +0.08% | −11.16% | +7.57% | +9.69% | +10.65% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Kotak Nifty India Consumption ETF vs Sundaram Consumption: Year-wise Returns
| Year | Kotak Nifty India Consumption ETFKotak Nifty India Consumption ETF | Sundaram ConsumptionSundaram Consumption | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −9.12% | −8.03% | −9.10% |
| 2025 | +9.06% | +0.80% | +9.22% |
| 2024 | +19.55% | +21.15% | +19.77% |
| 2023 | +27.67% | +31.36% | +27.96% |
| 2022 | -- | +10.39% | +8.53% |
| 2021 | -- | +20.37% | +20.82% |
Kotak Nifty India Consumption ETF vs Sundaram Consumption: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 305 of them, one for each trading day from 04-08-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Kotak Nifty India Consumption ETF
Sundaram Consumption Fund (Direct)
Nifty India Consumption TRI
to
Sept 2025Nov 2022
to
Nov 2025Feb 2023
to
Feb 2026Apr 2023
to
Apr 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kotak Nifty India Consumption ETF | 0.0 | 0.0 | 4.3 | 37.4 | 58.4 | 0.0 | 0.0 | 15.3% | 16.2% | 8.9% | 19.1% | 0% |
| Sundaram Consumption | 0.0 | 0.0 | 11.2 | 41.4 | 47.4 | 0.0 | 0.0 | 13.9% | 14.5% | 5.7% | 18.5% | 13% |
| Nifty India Consumption TRI | 0.0 | 0.0 | 3.9 | 36.4 | 59.7 | 0.0 | 0.0 | 15.5% | 16.4% | 9.1% | 19.4% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty India Consumption TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 03-08-2022. Past returns do not promise future returns.
Kotak Nifty India Consumption ETF vs Sundaram Consumption: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 03-08-2022 to 30-10-2026: 51 instalments, ₹5,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Kotak Nifty India Consumption ETFKotak Nifty India Consumption ETF | ₹5,10,000 | ₹5,84,304 | ₹74,304 | 6.4% |
| Sundaram ConsumptionSundaram Consumption Fund (Direct) | ₹5,10,000 | ₹5,73,588 | ₹63,588 | 5.5% |
Kotak Nifty India Consumption ETFKotak Nifty India Consumption ETF
Sundaram ConsumptionSundaram Consumption Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Kotak Nifty India Consumption ETF vs Sundaram Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Kotak Nifty India Consumption ETF | Sundaram Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | −10.62% | −11.16% |
| Standard deviation | 15.10% | 15.10% |
| Sharpe ratio | -1.05 | -1.09 |
| Sortino ratio | -1.37 | -1.43 |
| Maximum drawdown | −17.3% (30-03-2026) | −20.1% (23-03-2026) |
| Beta | 1.00 | 0.97 |
| Alpha | −0.05% | −1.00% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Kotak Nifty India Consumption ETF | Sundaram Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.88% | +7.57% |
| Standard deviation | 13.90% | 13.32% |
| Sharpe ratio | 0.35 | 0.12 |
| Sortino ratio | 0.50 | 0.16 |
| Maximum drawdown | −21.9% (04-03-2025) | −23.7% (23-03-2026) |
| Beta | 1.00 | 0.92 |
| Alpha | −0.13% | −3.04% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Kotak Nifty India Consumption ETF | Sundaram Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.86% | +13.39% |
| Standard deviation | 12.94% | 15.00% |
| Sharpe ratio | 0.29 | 0.49 |
| Sortino ratio | 0.40 | 0.66 |
| Maximum drawdown | −21.9% (04-03-2025) | −35.7% (23-03-2020) |
| Beta | 1.00 | 0.89 |
| Alpha | −0.20% | +1.15% |
From daily NAVs, 03-08-2022 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Kotak Nifty India Consumption ETF
Sundaram Consumption Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Kotak Nifty India Consumption ETF | −21.9% | 26-09-2024 | 04-03-2025 | Not yet | -- | −13.6% |
| Sundaram Consumption Fund (Direct) | −23.7% | 23-09-2024 | 23-03-2026 | Not yet | -- | −15.2% |
| Nifty India Consumption TRI | −21.9% | 26-09-2024 | 04-03-2025 | Not yet | -- | −13.4% |
From daily values since 03-08-2022, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Kotak Nifty India Consumption ETF
Sundaram Consumption Fund (Direct)
Nifty India Consumption TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Kotak Nifty India Consumption ETF
Sundaram Consumption Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Kotak Nifty India Consumption ETF | 100% | 100% | 0.06% |
| Sundaram Consumption Fund (Direct) | 87% | 77% | 5.13% |
From month-end values since 03-08-2022. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Kotak Nifty India Consumption ETF vs Sundaram Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak Nifty India Consumption ETF, September 2026; Sundaram Consumption Fund, September 2026
Holdings in common
- Overlap
- 56.8%
- Held by both
- 15
- Only in Kotak Nifty India Consumption ETF
- 15
- Only in Sundaram Consumption
- 19
| Security | % of Kotak Nifty India Consumption ETF | % of Sundaram Consumption |
|---|---|---|
| BHARTI AIRTEL LTD. | 10.14% | 8.29% |
| ITC Ltd. | 7.87% | 8.06% |
| ETERNAL LIMITED | 7.20% | 9.11% |
| Mahindra & Mahindra Ltd. | 8.19% | 7.06% |
| TITAN COMPANY LTD. | 5.89% | 3.71% |
| Bajaj Auto Ltd. | 3.69% | 3.92% |
| Inter Globe Aviation Ltd | 3.51% | 4.00% |
| TVS Motor Company Ltd. | 3.00% | 4.61% |
| Apollo Hospitals Enterprise Ltd. | 2.61% | 3.82% |
| Nestle India Ltd. | 2.92% | 2.01% |
| Avenue Supermarts Ltd | 1.91% | 2.63% |
| Varun Beverages Limited | 1.84% | 4.10% |
| Asian Paints(India) Ltd. | 3.37% | 1.64% |
| Fortis Healthcare India Ltd | 1.25% | 2.22% |
| United Spirits Ltd | 1.24% | 2.43% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 56.8% means 56.8% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Kotak Nifty India Consumption ETF
| Security | % of fund |
|---|---|
| Hindustan Unilever Ltd. | 5.18% |
| Maruti Suzuki India Limited | 4.83% |
| Eicher Motors Ltd. | 3.07% |
| TRENT LTD | 2.71% |
| TORRENT PHARMACEUTICALS LTD. | 2.19% |
Largest holdings only in Sundaram Consumption Fund
| Security | % of fund |
|---|---|
| S.J.S. Enterprises Ltd | 2.97% |
| One 97 Communications Ltd | 2.41% |
| ICICI Bank Ltd | 2.26% |
| Sapphire Foods India Ltd | 2.11% |
| Berger Paints (I) Ltd | 2.11% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak Nifty India Consumption ETF | Sundaram Consumption |
|---|---|---|
| Equity | 100.0% | 96.6% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.0% | 3.4% |
Market cap of stocks
| Market cap | Kotak Nifty India Consumption ETF | Sundaram Consumption |
|---|---|---|
| Large Cap | 88.1% | 67.8% |
| Mid Cap | 11.9% | 15.1% |
| Small Cap | 0.0% | 12.3% |
| Not on AMFI's list | 0.0% | 1.5% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Kotak Nifty India Consumption ETF | Sundaram Consumption |
|---|---|---|
| Automobiles | 24.9% | 16.5% |
| Retailing | 13.3% | 11.7% |
| Diversified FMCG | 13.1% | 0.0% |
| Consumer Durables | 10.9% | 9.9% |
| Telecom - Services | 10.1% | 8.3% |
| Diversified Fmcg | 0.0% | 8.1% |
| Healthcare Services | 6.0% | 6.5% |
The six largest sectors of each fund's stocks, % of the fund.
Kotak Nifty India Consumption ETF vs Sundaram Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak Nifty India Consumption ETF | Sundaram Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | Not available | 1.72% |
| Base expense ratio (Direct) | 0.00% | 1.10% |
| Total expense ratio (Regular) | Not available | 2.57% |
| Base expense ratio (Regular) | 0.08% | 1.84% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Kotak Nifty India Consumption ETF vs Sundaram Consumption Fund: Frequently Asked Questions
What is the difference between Kotak Nifty India Consumption ETF and Sundaram Consumption Fund?
Kotak Nifty India Consumption ETF is an ETF fund, Sundaram Consumption Fund is a Thematic fund, run by Kotak Mahindra Mutual Fund and Sundaram Mutual Fund. Their portfolios overlap 56.8%. Kotak Nifty India Consumption ETF charges 0.13% a year and Sundaram Consumption Fund 1.72%.
Which has given higher returns, Kotak Nifty India Consumption ETF or Sundaram Consumption Fund?
Over 1 year: Kotak Nifty India Consumption ETF −10.62%, Sundaram Consumption Fund −11.16%. Over 3 years: Kotak Nifty India Consumption ETF +10.88% a year, Sundaram Consumption Fund +7.57% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Kotak Nifty India Consumption ETF or Sundaram Consumption Fund?
Kotak Nifty India Consumption ETF charges less: 0.13% a year against 1.72%. These are the total expense ratios reported to AMFI.
How much do Kotak Nifty India Consumption ETF and Sundaram Consumption Fund overlap?
56.8%. They hold 15 of the same securities, the largest shared ones being BHARTIARTL, ITC, ETERNAL. From each fund's latest monthly portfolio.
Which is riskier, Kotak Nifty India Consumption ETF or Sundaram Consumption Fund?
On SEBI's riskometer, Kotak Nifty India Consumption ETF is rated Very High and Sundaram Consumption Fund Very High. Over 3 years, the standard deviation of daily returns was 13.90% and 13.32% a year.
Which is better for SIP, Kotak Nifty India Consumption ETF or Sundaram Consumption Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,78,687 in Kotak Nifty India Consumption ETF (XIRR 1.5% a year) and ₹3,71,424 in Sundaram Consumption Fund (XIRR 0.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Kotak Nifty India Consumption ETF and Sundaram Consumption Fund?
Yes. 56.8% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Kotak Nifty India Consumption ETF and Sundaram Consumption Fund?
Kotak Nifty India Consumption ETF: Satish Dondapati, Abhishek Bisen, Jeetu Valechha Sonar. Sundaram Consumption Fund: Anuj Bansal, Rohit Seksaria, Shalav Saket.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.