Sundaram Conservative Hybrid Fund vs UTI Nifty 5 yr Benchmark G-Sec ETF
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Conservative Hybrid Fund is a Conservative Hybrid fund and UTI Nifty 5 yr Benchmark G-Sec ETF is an ETF fund. In the year to 30-10-2026, Sundaram Conservative Hybrid Fund (Direct) returned −1.4% and UTI Nifty 5 yr Benchmark G-Sec ETF (Direct) returned 3.1%. Their portfolios overlap 21.4%: they hold 1 of the same security.
Sundaram Conservative Hybrid Fund
Conservative Hybrid
- 1 year return
- −1.4%
- Expense ratio
- 1.14%
- NAV
- ₹32.36
UTI Nifty 5 yr Benchmark G-Sec ETF
ETF
- 1 year return
- 3.1%
- NAV
- ₹65.44
Which is better, Sundaram Conservative Hybrid or UTI Nifty 5 yr Benchmark G-Sec ETF? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI Nifty 5 yr Benchmark G-Sec ETF returned more over 1 year: 3.1% against −1.4%.
- UTI Nifty 5 yr Benchmark G-Sec ETF fell less in its worst fall since 01-02-2024: −1.9% against −4.2%.
- UTI Nifty 5 yr Benchmark G-Sec ETF is the larger fund: ₹26 Cr against ₹18 Cr.
- Their portfolios overlap 21.4%: 1 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 | UTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| Fund house | Sundaram Mutual Fund | UTI Mutual Fund |
| Category | Conservative Hybrid | ETF |
| AUM | ₹18 Cr (30-09-2026) | ₹26 Cr (30-09-2026) |
| NAV | ₹32.36 (Direct) | ₹65.44 (Direct) |
| Expense ratio (Direct) | 1.14% | 0.00% |
| Expense ratio (Regular) | 1.89% | Not available |
| Riskometer | Moderate | Moderate |
| Benchmark | CRISIL Hybrid 85+15 - Conservative Index | Nifty 5 yr Benchmark G-sec Index |
| Launch date | 08-03-2010 | 29-01-2024 |
| Minimum investment | For first investment - Rs.5000/- | ₹5,000 |
| Lock in | None | None |
| Fund managers | Kumaresh Ramakrishnan, Bharath | Jaydeep Bhowal |
| Exit load | NIL | Nil |
Sundaram Conservative Hybrid vs UTI Nifty 5 yr Benchmark G-Sec ETF: 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% |
| UTI Nifty 5 yr Benchmark G-Sec ETF (Direct) | −0.68% | −1.25% | +1.50% | +3.08% | -- | -- | -- |
| Conservative Hybrid average | −0.46% | −1.48% | +0.87% | +1.02% | +7.61% | +7.13% | +7.52% |
Category average: the average of the 18 Conservative Hybrid funds, same plan type.
Sundaram Conservative Hybrid vs UTI Nifty 5 yr Benchmark G-Sec ETF: Year-wise Returns
| Year | Sundaram Conservative HybridSundaram Conservative Hybrid | UTI Nifty 5 yr Benchmark G-Sec ETFUTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| 2026to date | −2.51% | +2.55% |
| 2025 | +5.21% | +7.75% |
| 2024 | +9.14% | -- |
| 2023 | +10.14% | -- |
| 2022 | +3.75% | -- |
| 2021 | +15.39% | -- |
Sundaram Conservative Hybrid vs UTI Nifty 5 yr Benchmark G-Sec ETF: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 420 of them, one for each trading day from 03-02-2025 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.
Sundaram Conservative Hybrid Fund (Direct)
UTI Nifty 5 yr Benchmark G-Sec ETF (Direct)
to
Mar 2025Jul 2024
to
Jul 2025Oct 2024
to
Oct 2025Feb 2025
to
Feb 2026May 2025
to
May 2026Sept 2025
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Conservative Hybrid | 22.6 | 38.6 | 35.5 | 3.3 | 0.0 | 0.0 | 0.0 | 3.8% | 4.4% | −2.0% | 10.6% |
| UTI Nifty 5 yr Benchmark G-Sec ETF | 0.0 | 19.5 | 63.6 | 16.9 | 0.0 | 0.0 | 0.0 | 7.4% | 7.8% | 2.5% | 11.6% |
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 01-02-2024. Past returns do not promise future returns.
Sundaram Conservative Hybrid vs UTI Nifty 5 yr Benchmark G-Sec ETF: 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 01-02-2024 to 30-10-2026: 33 instalments, ₹3,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Conservative HybridSundaram Conservative Hybrid Fund (Direct) | ₹3,30,000 | ₹3,36,300 | ₹6,300 | 1.3% |
| UTI Nifty 5 yr Benchmark G-Sec ETFUTI Nifty 5 yr Benchmark G-Sec ETF (Direct) | ₹3,30,000 | ₹3,54,064 | ₹24,064 | 5.1% |
Sundaram Conservative HybridSundaram Conservative Hybrid Fund (Direct)
UTI Nifty 5 yr Benchmark G-Sec ETFUTI Nifty 5 yr Benchmark G-Sec ETF (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 UTI Nifty 5 yr Benchmark G-Sec ETF: 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) | UTI Nifty 5 yr Benchmark G-Sec ETF (Direct) |
|---|---|---|
| Return (CAGR) | −1.40% | +3.08% |
| Standard deviation | 3.41% | 2.62% |
| Sharpe ratio | -1.95 | -0.83 |
| Sortino ratio | -2.43 | -1.19 |
| Maximum drawdown | −4.2% (30-03-2026) | −1.9% (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) | UTI Nifty 5 yr Benchmark G-Sec ETF (Direct) |
|---|---|---|
| Return (CAGR) | +7.46% | +6.50% |
| Standard deviation | 4.94% | 2.00% |
| Sharpe ratio | 0.29 | 0.28 |
| Sortino ratio | 0.38 | 0.41 |
| Maximum drawdown | −12.6% (23-03-2020) | −1.9% (22-10-2026) |
| 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)
UTI Nifty 5 yr Benchmark G-Sec ETF (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) | −4.2% | 02-01-2026 | 30-03-2026 | Not yet | -- | −2.6% |
| UTI Nifty 5 yr Benchmark G-Sec ETF (Direct) | −1.9% | 06-08-2026 | 22-10-2026 | Not yet | -- | −1.8% |
From daily values since 01-02-2024, 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.
Sundaram Conservative Hybrid Fund (Direct)
UTI Nifty 5 yr Benchmark G-Sec ETF (Direct)
Sundaram Conservative Hybrid vs UTI Nifty 5 yr Benchmark G-Sec ETF: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Conservative Hybrid Fund, September 2026; UTI Nifty 5 yr Benchmark G-Sec ETF, September 2026
Holdings in common
- Overlap
- 21.4%
- Held by both
- 1
- Only in Sundaram Conservative Hybrid
- 28
- Only in UTI Nifty 5 yr Benchmark G-Sec ETF
- 0
| Security | % of Sundaram Conservative Hybrid | % of UTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| 6.36% Central Government Securities 16/02/2031 | 21.42% | 98.84% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 21.4% means 21.4% 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% |
| Power Finance Corporation Ltd - 6.96% - 02/03/2028 | 5.41% |
| BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 | 5.35% |
| Bajaj Finance Ltd - 8.1167% - 10/05/2027 | 2.73% |
| BAJAJ HOUSING FINANCE LTD - 7.7% - 21/05/2027 | 2.72% |
Largest holdings only in UTI Nifty 5 yr Benchmark G-Sec ETF
Every holding of this fund is also held by the other.
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Conservative Hybrid | UTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| Equity | 17.8% | 0.0% |
| Debt | 64.6% | 98.8% |
| Cash and others | 17.7% | 1.2% |
Market cap of stocks
| Market cap | Sundaram Conservative Hybrid | UTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| 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 | UTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| 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 UTI Nifty 5 yr Benchmark G-Sec ETF: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Conservative Hybrid Fund | UTI Nifty 5 yr Benchmark G-Sec ETF |
|---|---|---|
| Total expense ratio (Direct) | 1.14% | 0.00% |
| Base expense ratio (Direct) | 0.96% | 0.00% |
| Total expense ratio (Regular) | 1.89% | Not available |
| Base expense ratio (Regular) | 1.62% | 0.19% |
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
- Sundaram Conservative Hybrid vs Parag Parikh Conservative Hybrid
- Sundaram Conservative Hybrid vs HSBC Conservative Hybrid
- 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 UTI Nifty 5 yr Benchmark G-Sec ETF: Frequently Asked Questions
What is the difference between Sundaram Conservative Hybrid Fund and UTI Nifty 5 yr Benchmark G-Sec ETF?
Sundaram Conservative Hybrid Fund is a Conservative Hybrid fund, UTI Nifty 5 yr Benchmark G-Sec ETF is an ETF fund, run by Sundaram Mutual Fund and UTI Mutual Fund. Their portfolios overlap 21.4%.
Which has given higher returns, Sundaram Conservative Hybrid Fund or UTI Nifty 5 yr Benchmark G-Sec ETF?
Over 1 year: Sundaram Conservative Hybrid Fund −1.40%, UTI Nifty 5 yr Benchmark G-Sec ETF +3.08%. As on 30-10-2026. Past returns do not promise future returns.
How much do Sundaram Conservative Hybrid Fund and UTI Nifty 5 yr Benchmark G-Sec ETF overlap?
21.4%. They hold 1 of the same securities, the largest shared ones being 6.36% Central Government Securities 16/02/2031. From each fund's latest monthly portfolio.
Which is riskier, Sundaram Conservative Hybrid Fund or UTI Nifty 5 yr Benchmark G-Sec ETF?
On SEBI's riskometer, Sundaram Conservative Hybrid Fund is rated Moderate and UTI Nifty 5 yr Benchmark G-Sec ETF Moderate. Over 1 years, the standard deviation of daily returns was 3.41% and 2.62% a year.
Can I invest in both Sundaram Conservative Hybrid Fund and UTI Nifty 5 yr Benchmark G-Sec ETF?
Yes. 21.4% 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 UTI Nifty 5 yr Benchmark G-Sec ETF?
Sundaram Conservative Hybrid Fund: Kumaresh Ramakrishnan, Bharath. UTI Nifty 5 yr Benchmark G-Sec ETF: Jaydeep Bhowal.
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.