Sundaram Conservative Hybrid Fund vs Sundaram Medium Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Conservative Hybrid Fund is a Conservative Hybrid fund and Sundaram Medium Term Fund is a Medium Duration fund. In the 3 years to 30-10-2026, Sundaram Conservative Hybrid Fund (Direct) returned 5.4% a year and Sundaram Medium Term Fund (Direct) returned 5.7% a year. Sundaram Conservative Hybrid Fund charges 1.14% a year and Sundaram Medium Term Fund 1.17% (Direct plans). Their portfolios overlap 17.1%: they hold 4 of the same securities.
Sundaram Conservative Hybrid Fund
Conservative Hybrid
- 3 year return
- 5.4%
- Expense ratio
- 1.14%
- NAV
- ₹32.36
Sundaram Medium Term Fund
Medium Duration
- 3 year return
- 5.7%
- Expense ratio
- 1.17%
- NAV
- ₹80.15
Which is better, Sundaram Conservative Hybrid or Sundaram Medium Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Sundaram Conservative Hybrid returned more over 5 years: 5.1% a year against 4.7%.
- Sundaram Medium Term returned more over 3 years: 5.7% a year against 5.4%.
- Sundaram Conservative Hybrid costs less: 1.14% a year against 1.17% (Direct plans).
- Sundaram Medium Term swung less over 3 years: a standard deviation of 1.3% a year against 3.4%.
- Sundaram Medium Term fell less in its worst fall since 08-01-2013: −8.0% against −12.6%.
- Sundaram Medium Term is the larger fund: ₹32 Cr against ₹18 Cr.
- Their portfolios overlap 17.1%: 4 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 | Sundaram Conservative Hybrid Fund | Sundaram Medium Term Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | Sundaram Mutual Fund |
| Category | Conservative Hybrid | Medium Duration |
| AUM | ₹18 Cr (30-09-2026) | ₹32 Cr (30-09-2026) |
| NAV | ₹32.36 (Direct) | ₹80.15 (Direct) |
| Expense ratio (Direct) | 1.14% | 1.17% |
| Expense ratio (Regular) | 1.89% | 1.90% |
| Riskometer | Moderate | Moderate |
| Benchmark | CRISIL Hybrid 85+15 - Conservative Index | NIFTY Medium Duration Debt Index A-III |
| Launch date | 08-03-2010 | 18-12-1997 |
| Minimum investment | For first investment - Rs.5000/- | ₹5,000 |
| Lock in | None | None |
| Fund managers | Kumaresh Ramakrishnan, Bharath | Sandeep Agarwal, Kumaresh Ramakrishnan |
| Exit load | NIL | NIL |
Sundaram Conservative Hybrid vs Sundaram Medium Term: 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 |
|---|---|---|---|---|---|---|---|
| Sundaram Conservative Hybrid Fund (Direct) | +0.16% | −1.52% | +0.19% | −1.40% | +5.41% | +5.09% | +6.19% |
| Sundaram Medium Term Fund (Direct) | −0.52% | −0.68% | +1.34% | +2.45% | +5.74% | +4.74% | +5.61% |
| Conservative Hybrid average | −0.46% | −1.48% | +0.87% | +1.02% | +7.61% | +7.13% | +7.52% |
| Medium Duration average | −0.34% | −0.09% | +2.51% | +4.72% | +7.66% | +6.88% | +6.78% |
Category average: the average of the 18 Conservative Hybrid funds and the 13 Medium Duration funds, same plan type.
Sundaram Conservative Hybrid vs Sundaram Medium Term: Year-wise Returns
| Year | Conservative HybridSundaram Conservative Hybrid | Medium TermSundaram Medium Term |
|---|---|---|
| 2026to date | −2.51% | +1.77% |
| 2025 | +5.21% | +6.52% |
| 2024 | +9.14% | +7.16% |
| 2023 | +10.14% | +6.34% |
| 2022 | +3.75% | +1.67% |
| 2021 | +15.39% | +2.72% |
Sundaram Conservative Hybrid vs Sundaram Medium Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,614 of them, one for each trading day from 08-01-2016 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.
Sundaram Conservative Hybrid Fund (Direct)
Sundaram Medium Term Fund (Direct)
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Conservative Hybrid | 0.0 | 16.2 | 60.3 | 21.0 | 2.6 | 0.0 | 0.0 | 8.4% | 8.5% | 0.7% | 16.1% |
| Sundaram Medium Term | 0.0 | 24.6 | 70.0 | 5.5 | 0.0 | 0.0 | 0.0 | 6.7% | 6.9% | 3.1% | 11.4% |
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. Every fund is measured over the days all of them have, from 08-01-2013. Past returns do not promise future returns.
Sundaram Conservative Hybrid vs Sundaram Medium Term: 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 08-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Conservative HybridSundaram Conservative Hybrid Fund (Direct) | ₹16,60,000 | ₹27,28,851 | ₹10,68,851 | 6.9% |
| Sundaram Medium TermSundaram Medium Term Fund (Direct) | ₹16,60,000 | ₹25,19,384 | ₹8,59,384 | 5.8% |
Sundaram Conservative HybridSundaram Conservative Hybrid Fund (Direct)
Sundaram Medium TermSundaram Medium Term 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.
Sundaram Conservative Hybrid vs Sundaram Medium Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Conservative Hybrid Fund (Direct) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | −1.40% | +2.45% |
| Standard deviation | 3.41% | 1.46% |
| Sharpe ratio | -1.95 | -1.91 |
| Sortino ratio | -2.43 | -2.48 |
| Maximum drawdown | −4.2% (30-03-2026) | −1.2% (22-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | Sundaram Conservative Hybrid Fund (Direct) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.41% | +5.74% |
| Standard deviation | 3.36% | 1.27% |
| Sharpe ratio | -0.18 | -0.23 |
| Sortino ratio | -0.25 | -0.31 |
| Maximum drawdown | −4.2% (30-03-2026) | −1.2% (22-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | Sundaram Conservative Hybrid Fund (Direct) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.09% | +4.74% |
| Standard deviation | 3.32% | 1.51% |
| Sharpe ratio | -0.21 | -0.70 |
| Sortino ratio | -0.29 | -0.92 |
| Maximum drawdown | −4.2% (30-03-2026) | −2.5% (06-05-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 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 | Sundaram Conservative Hybrid Fund (Direct) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.46% | +6.55% |
| Standard deviation | 4.94% | 2.86% |
| Sharpe ratio | 0.29 | 0.18 |
| Sortino ratio | 0.38 | 0.25 |
| Maximum drawdown | −12.6% (23-03-2020) | −8.0% (19-08-2013) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 08-01-2013 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.
Sundaram Conservative Hybrid Fund (Direct)
Sundaram Medium Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Conservative Hybrid Fund (Direct) | −12.6% | 03-06-2019 | 23-03-2020 | 21-07-2020 | 4 months | −2.6% |
| Sundaram Medium Term Fund (Direct) | −8.0% | 27-05-2013 | 19-08-2013 | 21-04-2014 | 8 months | −1.1% |
From daily values since 08-01-2013, 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.
Sundaram Conservative Hybrid Fund (Direct)
Sundaram Medium Term Fund (Direct)
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.
Sundaram Conservative Hybrid Fund (Direct)
Sundaram Medium Term Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Sundaram Conservative Hybrid Fund (Direct)
Sundaram Medium Term Fund (Direct)
Sundaram Conservative Hybrid vs Sundaram Medium Term: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Conservative Hybrid Fund, September 2026; Sundaram Medium Term Fund, September 2026
Holdings in common
- Overlap
- 17.1%
- Held by both
- 4
- Only in Sundaram Conservative Hybrid
- 25
- Only in Sundaram Medium Term
- 12
| Security | % of Sundaram Conservative Hybrid | % of Sundaram Medium Term |
|---|---|---|
| 6.36% Central Government Securities 16/02/2031 | 21.42% | 12.11% |
| Power Finance Corporation Ltd - 6.96% - 02/03/2028 | 5.41% | 3.06% |
| BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 | 5.35% | 1.51% |
| Corporate Debt Market Development Fund - Class A2 | 0.50% | 0.42% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 17.1% means 17.1% 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 Sundaram Conservative Hybrid Fund
| Security | % of fund |
|---|---|
| 6.53% Government Stock - 07/09/2031 | 26.94% |
| Bajaj Finance Ltd - 8.1167% - 10/05/2027 | 2.73% |
| BAJAJ HOUSING FINANCE LTD - 7.7% - 21/05/2027 | 2.72% |
| Bharti Airtel Ltd | 2.30% |
| Reliance Industries Ltd | 1.94% |
Largest holdings only in Sundaram Medium Term Fund
| Security | % of fund |
|---|---|
| 6.53% Tamil Nadu State Development Loan 06/01/2031 | 17.92% |
| 6.48% Central Government Securities 06/10/2035 | 17.69% |
| Cholamandalam Investment and Finance Company Ltd - 7.38% - 28/05/2027 | 6.14% |
| Small Industries Development Bank of India - 7.42% - 12/03/2029 | 6.11% |
| National Bank for Agriculture & Rural Development - 7.01% - 16/03/2029 | 6.06% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Conservative Hybrid | Sundaram Medium Term |
|---|---|---|
| Equity | 17.8% | 0.0% |
| Debt | 64.6% | 90.8% |
| Cash and others | 17.7% | 9.2% |
Market cap of stocks
| Market cap | Sundaram Conservative Hybrid | Sundaram Medium Term |
|---|---|---|
| Large Cap | 15.9% | -- |
| Mid Cap | 1.4% | -- |
| Small Cap | 0.5% | -- |
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 | Sundaram Conservative Hybrid | Sundaram Medium Term |
|---|---|---|
| Banks | 5.1% | 0.0% |
| Telecom - Services | 2.3% | 0.0% |
| It - Software | 2.1% | 0.0% |
| Petroleum Products | 1.9% | 0.0% |
| Automobiles | 1.4% | 0.0% |
| Pharmaceuticals & Biotechnology | 0.9% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Conservative Hybrid vs Sundaram Medium Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Conservative Hybrid Fund | Sundaram Medium Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.14% | 1.17% |
| Base expense ratio (Direct) | 0.96% | 0.99% |
| Total expense ratio (Regular) | 1.89% | 1.90% |
| Base expense ratio (Regular) | 1.62% | 1.63% |
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
Compare Sundaram Conservative Hybrid with
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- Sundaram Conservative Hybrid vs ICICI Prudential Conservative Hybrid
- Sundaram Conservative Hybrid vs Nippon India Conservative Hybrid
- Sundaram Conservative Hybrid vs Aditya Birla Sun Life Conservative Hybrid
Sundaram Conservative Hybrid Fund vs Sundaram Medium Term Fund: Frequently Asked Questions
What is the difference between Sundaram Conservative Hybrid Fund and Sundaram Medium Term Fund?
Sundaram Conservative Hybrid Fund is a Conservative Hybrid fund, Sundaram Medium Term Fund is a Medium Duration fund, run by Sundaram Mutual Fund. Their portfolios overlap 17.1%. Sundaram Conservative Hybrid Fund charges 1.14% a year and Sundaram Medium Term Fund 1.17%.
Which has given higher returns, Sundaram Conservative Hybrid Fund or Sundaram Medium Term Fund?
Over 1 year: Sundaram Conservative Hybrid Fund −1.40%, Sundaram Medium Term Fund +2.45%. Over 3 years: Sundaram Conservative Hybrid Fund +5.41% a year, Sundaram Medium Term Fund +5.74% a year. Over 5 years: Sundaram Conservative Hybrid Fund +5.09% a year, Sundaram Medium Term Fund +4.74% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Conservative Hybrid Fund or Sundaram Medium Term Fund?
Sundaram Conservative Hybrid Fund charges less: 1.14% a year against 1.17%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Sundaram Conservative Hybrid Fund and Sundaram Medium Term Fund overlap?
17.1%. They hold 4 of the same securities, the largest shared ones being 6.36% Central Government Securities 16/02/2031, Power Finance Corporation Ltd - 6.96% - 02/03/2028, BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030. From each fund's latest monthly portfolio.
Which is riskier, Sundaram Conservative Hybrid Fund or Sundaram Medium Term Fund?
On SEBI's riskometer, Sundaram Conservative Hybrid Fund is rated Moderate and Sundaram Medium Term Fund Moderate. Over 3 years, the standard deviation of daily returns was 3.36% and 1.27% a year.
Which is better for SIP, Sundaram Conservative Hybrid Fund or Sundaram Medium Term Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹6,82,287 in Sundaram Conservative Hybrid Fund (XIRR 4.4% a year) and ₹6,93,743 in Sundaram Medium Term Fund (XIRR 5.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Sundaram Conservative Hybrid Fund and Sundaram Medium Term Fund?
Yes. 17.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Sundaram Conservative Hybrid Fund and Sundaram Medium Term Fund?
Sundaram Conservative Hybrid Fund: Kumaresh Ramakrishnan, Bharath. Sundaram Medium Term Fund: Sandeep Agarwal, Kumaresh Ramakrishnan.
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.