SBI Nifty India Consumption Index Fund vs Sundaram Consumption Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Nifty India Consumption Index Fund is a mutual fund and Sundaram Consumption Fund is a Thematic fund. In the year to 30-10-2026, SBI Nifty India Consumption Index Fund (Direct) returned −11.0% and Sundaram Consumption Fund (Direct) returned −11.2%. SBI Nifty India Consumption Index Fund charges 0.45% a year and Sundaram Consumption Fund 1.72% (Direct plans). Their portfolios overlap 56.8%: they hold 15 of the same securities.
SBI Nifty India Consumption Index Fund
- 1 year return
- −11.0%
- Expense ratio
- 0.45%
- NAV
- ₹9.68
Sundaram Consumption Fund
Thematic
- 1 year return
- −11.2%
- Expense ratio
- 1.72%
- NAV
- ₹99.16
Which is better, SBI Nifty India Consumption Index 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.
- SBI Nifty India Consumption Index returned more over 1 year: −11.0% against −11.2%.
- SBI Nifty India Consumption Index costs less: 0.45% a year against 1.72% (Direct plans).
- SBI Nifty India Consumption Index fell less in its worst fall since 06-11-2024: −18.3% against −20.5%.
- SBI Nifty India Consumption Index 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 ₹239 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 | SBI Nifty India Consumption Index Fund | Sundaram Consumption Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Sundaram Mutual Fund |
| Category | Not available | Thematic |
| AUM | ₹239 Cr (30-09-2026) | ₹1,408 Cr (30-09-2026) |
| NAV | ₹9.68 (Direct) | ₹99.16 (Direct) |
| Expense ratio (Direct) | 0.45% | 1.72% |
| Expense ratio (Regular) | 0.92% | 2.57% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty India Consumption TRI |
| Launch date | Not available | 01-01-2013 |
| Minimum investment | Not available | For both Regular and Direct Plan Rs. 100/– |
| Lock in | Not available | None |
| Fund managers | Not available | Anuj Bansal, Rohit Seksaria, Shalav Saket |
| Exit load | Not available | 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch / STP within 30 days from the date of allotment; NIL - For redemption or withdrawn by way of SWP or transfer by way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. |
SBI Nifty India Consumption Index 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 |
|---|---|---|---|---|---|---|---|
| SBI Nifty India Consumption Index Fund (Direct) | +0.14% | −8.21% | −2.49% | −11.01% | -- | -- | -- |
| 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.
SBI Nifty India Consumption Index vs Sundaram Consumption: Year-wise Returns
| Year | SBI Nifty India Consumption IndexSBI Nifty India Consumption Index | Sundaram ConsumptionSundaram Consumption | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −9.46% | −8.03% | −9.10% |
| 2025 | +8.78% | +0.80% | +9.22% |
| 2024 | -- | +21.15% | +19.77% |
| 2023 | -- | +31.36% | +27.96% |
| 2022 | -- | +10.39% | +8.53% |
| 2021 | -- | +20.37% | +20.82% |
SBI Nifty India Consumption Index vs Sundaram Consumption: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 246 of them, one for each trading day from 06-11-2025 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.
SBI Nifty India Consumption Index Fund (Direct)
Sundaram Consumption Fund (Direct)
Nifty India Consumption TRI
to
Dec 2025Feb 2025
to
Feb 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Nifty India Consumption Index | 39.8 | 24.8 | 24.4 | 11.0 | 0.0 | 0.0 | 0.0 | 1.9% | 2.1% | −14.7% | 14.1% | 0% |
| Sundaram Consumption | 69.4 | 25.6 | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | −2.6% | −2.9% | −14.5% | 7.7% | 17% |
| Nifty India Consumption TRI | 35.0 | 28.9 | 22.4 | 13.8 | 0.0 | 0.0 | 0.0 | 2.3% | 2.5% | −14.2% | 14.5% | -- |
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 06-11-2024. Past returns do not promise future returns.
SBI Nifty India Consumption Index 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 06-11-2024 to 30-10-2026: 24 instalments, ₹2,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Nifty India Consumption IndexSBI Nifty India Consumption Index Fund (Direct) | ₹2,40,000 | ₹2,32,253 | −₹7,747 | −3.1% |
| Sundaram ConsumptionSundaram Consumption Fund (Direct) | ₹2,40,000 | ₹2,30,958 | −₹9,042 | −3.7% |
SBI Nifty India Consumption IndexSBI Nifty India Consumption Index Fund (Direct)
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.
SBI Nifty India Consumption Index vs Sundaram Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Nifty India Consumption Index Fund (Direct) | Sundaram Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | −11.01% | −11.16% |
| Standard deviation | 14.98% | 15.10% |
| Sharpe ratio | -1.08 | -1.09 |
| Sortino ratio | -1.42 | -1.43 |
| Maximum drawdown | −17.4% (31-03-2026) | −20.1% (23-03-2026) |
| Beta | 1.00 | 0.97 |
| Alpha | −0.43% | −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 | SBI Nifty India Consumption Index Fund (Direct) | Sundaram Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | −1.69% | +13.39% |
| Standard deviation | 14.51% | 15.00% |
| Sharpe ratio | -0.51 | 0.49 |
| Sortino ratio | -0.69 | 0.66 |
| Maximum drawdown | −18.3% (31-03-2026) | −35.7% (23-03-2020) |
| Beta | 1.00 | 0.89 |
| Alpha | −0.42% | +1.15% |
From daily NAVs, 06-11-2024 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.
SBI Nifty India Consumption Index Fund (Direct)
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 |
|---|---|---|---|---|---|---|
| SBI Nifty India Consumption Index Fund (Direct) | −18.3% | 20-10-2025 | 31-03-2026 | Not yet | -- | −12.0% |
| Sundaram Consumption Fund (Direct) | −20.5% | 29-10-2025 | 23-03-2026 | Not yet | -- | −11.6% |
| Nifty India Consumption TRI | −18.1% | 20-10-2025 | 30-03-2026 | Not yet | -- | −11.6% |
From daily values since 06-11-2024, 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.
SBI Nifty India Consumption Index Fund (Direct)
Sundaram Consumption Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Nifty India Consumption Index Fund (Direct) | 99% | 101% | 0.03% |
| Sundaram Consumption Fund (Direct) | 86% | 100% | 4.50% |
From month-end values since 06-11-2024. 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.
SBI Nifty India Consumption Index vs Sundaram Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Nifty India Consumption Index Fund, September 2026; Sundaram Consumption Fund, September 2026
Holdings in common
- Overlap
- 56.8%
- Held by both
- 15
- Only in SBI Nifty India Consumption Index
- 15
- Only in Sundaram Consumption
- 19
| Security | % of SBI Nifty India Consumption Index | % of Sundaram Consumption |
|---|---|---|
| Bharti Airtel Ltd. | 10.14% | 8.29% |
| ITC Ltd. | 7.87% | 8.06% |
| Eternal Ltd. | 7.21% | 9.11% |
| Mahindra & Mahindra Ltd. | 8.19% | 7.06% |
| Titan Company Ltd. | 5.89% | 3.71% |
| Bajaj Auto Ltd. | 3.69% | 3.92% |
| Interglobe 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 Ltd. | 1.84% | 4.10% |
| Asian Paints Ltd. | 3.37% | 1.64% |
| Fortis Healthcare 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 SBI Nifty India Consumption Index Fund
| Security | % of fund |
|---|---|
| Hindustan Unilever Ltd. | 5.18% |
| Maruti Suzuki India Ltd. | 4.84% |
| Eicher Motors Ltd. | 3.07% |
| Trent Ltd. | 2.71% |
| Torrent Pharmaceuticals Ltd. | 2.20% |
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 | SBI Nifty India Consumption Index | 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 | SBI Nifty India Consumption Index | 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 | SBI Nifty India Consumption Index | Sundaram Consumption |
|---|---|---|
| Automobiles | 24.9% | 16.5% |
| Retailing | 13.3% | 11.7% |
| Diversified FMCG | 13.1% | 0.0% |
| Consumer Durables | 11.0% | 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.
SBI Nifty India Consumption Index vs Sundaram Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Nifty India Consumption Index Fund | Sundaram Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.45% | 1.72% |
| Base expense ratio (Direct) | 0.34% | 1.10% |
| Total expense ratio (Regular) | 0.92% | 2.57% |
| Base expense ratio (Regular) | 0.74% | 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
SBI Nifty India Consumption Index Fund vs Sundaram Consumption Fund: Frequently Asked Questions
What is the difference between SBI Nifty India Consumption Index Fund and Sundaram Consumption Fund?
SBI Nifty India Consumption Index Fund is a mutual fund, Sundaram Consumption Fund is a Thematic fund, run by SBI Mutual Fund and Sundaram Mutual Fund. Their portfolios overlap 56.8%. SBI Nifty India Consumption Index Fund charges 0.45% a year and Sundaram Consumption Fund 1.72%.
Which has given higher returns, SBI Nifty India Consumption Index Fund or Sundaram Consumption Fund?
Over 1 year: SBI Nifty India Consumption Index Fund −11.01%, Sundaram Consumption Fund −11.16%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Nifty India Consumption Index Fund or Sundaram Consumption Fund?
SBI Nifty India Consumption Index Fund charges less: 0.45% a year against 1.72%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Nifty India Consumption Index Fund 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.
Can I invest in both SBI Nifty India Consumption Index Fund 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.
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.