Sundaram Dynamic Asset Allocation Fund vs Sundaram Equity Savings Fund
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Dynamic Asset Allocation Fund is a Balanced Advantage fund and Sundaram Equity Savings Fund is an Equity Savings fund. In the 3 years to 30-10-2026, Sundaram Dynamic Asset Allocation Fund (Direct) returned 7.8% a year and Sundaram Equity Savings Fund (Direct) returned 8.8% a year. Sundaram Dynamic Asset Allocation Fund charges 1.12% a year and Sundaram Equity Savings Fund 1.35% (Direct plans). Their portfolios overlap 60.1%: they hold 59 of the same securities.
Sundaram Dynamic Asset Allocation Fund
Balanced Advantage
- 3 year return
- 7.8%
- Expense ratio
- 1.12%
- NAV
- ₹40.33
Sundaram Equity Savings Fund
Equity Savings
- 3 year return
- 8.8%
- Expense ratio
- 1.35%
- NAV
- ₹82.49
Which is better, Sundaram Dynamic Asset Allocation or Sundaram Equity Savings? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Sundaram Equity Savings returned more over 3 years: 8.8% a year against 7.8%.
- Sundaram Equity Savings returned more over 1 year: −1.6% against −5.0%.
- Sundaram Dynamic Asset Allocation costs less: 1.12% a year against 1.35% (Direct plans).
- Sundaram Equity Savings swung less over 3 years: a standard deviation of 5.5% a year against 8.4%.
- Sundaram Equity Savings fell less in its worst fall since 03-01-2022: −6.2% against −9.7%.
- Sundaram Equity Savings holds more in large companies: 60.8% of the fund in large caps against 48.5%.
- Sundaram Dynamic Asset Allocation is the larger fund: ₹1,596 Cr against ₹943 Cr.
- Their portfolios overlap 60.1%: 59 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 Dynamic Asset Allocation Fund | Sundaram Equity Savings Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | Sundaram Mutual Fund |
| Category | Balanced Advantage | Equity Savings |
| AUM | ₹1,596 Cr (30-09-2026) | ₹943 Cr (30-09-2026) |
| NAV | ₹40.33 (Direct) | ₹82.49 (Direct) |
| Expense ratio (Direct) | 1.12% | 1.35% |
| Expense ratio (Regular) | 2.54% | 2.79% |
| Riskometer | High | Not available |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | Nifty Equity Savings Index |
| Launch date | 01-12-2010 | 01-05-2002 |
| Minimum investment | New Investor/Existing – Rs.100/- for both Monthly IDCW and Growth Option and any amount thereafter under each Plan/option. | New Investor/Existing – Rs.100/- for Quarterly IDCW, halfyearly IDCW and Growth Option. |
| Lock in | None | None |
| Fund managers | Bharath, Clyton Richard Fernandes, Kumaresh Ramakrishnan | Clyton Richard Fernandes, Rohit Seksaria, Kumaresh Ramakrishnan |
| Exit load | Exit Load: W.E.F Dec 31, 2021 -Nil - If up to 25% of the units invested are redeemed or withdrawn by way of SWP within 365 days from the date of allotment. Any redemptions or withdrawals by way of SWP in excess of the above mentioned limit would be subject to an exit load of 1 % of the applicable NAV will be charged, if the units are redeemed within 365 days from the date of allotment of units. For redemption or withdrawal by way of SWP after 365 days from the date of allotment - Nil. Generally, the exit load will be calculated on First in First out (FIFO) basis. | 0.5% - For redemption, withdrawn by way of SWP or transfer by way of Switch/STP within 07 days from the date of allotment. NIL - For redemption or withdrawn by way of SWP or transfer by way of Switch/STP after 07 days from the date of allotment. |
Sundaram Dynamic Asset Allocation vs Sundaram Equity Savings: 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 Dynamic Asset Allocation Fund (Direct) | −0.69% | −3.73% | −1.70% | −4.99% | +7.83% | -- | -- |
| Sundaram Equity Savings Fund (Direct) | −0.13% | −1.66% | +0.06% | −1.58% | +8.79% | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | -- | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | +8.55% | -- | -- |
Category average: the average of the 38 Balanced Advantage funds and the 23 Equity Savings funds, same plan type.
Sundaram Dynamic Asset Allocation vs Sundaram Equity Savings: Year-wise Returns
| Year | Dynamic Asset AllocationSundaram Dynamic Asset Allocation | Equity SavingsSundaram Equity Savings |
|---|---|---|
| 2026to date | −5.15% | −2.07% |
| 2025 | +6.67% | +8.01% |
| 2024 | +14.28% | +14.49% |
| 2023 | +15.81% | +17.33% |
Sundaram Dynamic Asset Allocation vs Sundaram Equity Savings: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 449 of them, one for each trading day from 03-01-2025 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 Dynamic Asset Allocation Fund (Direct)
Sundaram Equity Savings Fund (Direct)
to
Feb 2025Jun 2022
to
Jun 2025Oct 2022
to
Oct 2025Jan 2023
to
Jan 2026May 2023
to
May 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Dynamic Asset Allocation | 0.0 | 0.0 | 18.0 | 78.0 | 4.0 | 0.0 | 0.0 | 11.6% | 11.7% | 7.0% | 15.9% |
| Sundaram Equity Savings | 0.0 | 0.0 | 12.2 | 84.6 | 3.1 | 0.0 | 0.0 | 12.2% | 12.5% | 8.1% | 15.5% |
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. Every fund is measured over the days all of them have, from 03-01-2022. Past returns do not promise future returns.
Sundaram Dynamic Asset Allocation vs Sundaram Equity Savings: 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 03-01-2022 to 30-10-2026: 58 instalments, ₹5,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Dynamic Asset AllocationSundaram Dynamic Asset Allocation Fund (Direct) | ₹5,80,000 | ₹6,70,937 | ₹90,937 | 6.0% |
| Sundaram Equity SavingsSundaram Equity Savings Fund (Direct) | ₹5,80,000 | ₹6,96,045 | ₹1,16,045 | 7.5% |
Sundaram Dynamic Asset AllocationSundaram Dynamic Asset Allocation Fund (Direct)
Sundaram Equity SavingsSundaram Equity Savings 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 Dynamic Asset Allocation vs Sundaram Equity Savings: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Dynamic Asset Allocation Fund (Direct) | Sundaram Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | −4.99% | −1.58% |
| Standard deviation | 9.43% | 6.00% |
| Sharpe ratio | -1.09 | -1.14 |
| Sortino ratio | -1.45 | -1.50 |
| Maximum drawdown | −9.7% (30-03-2026) | −6.2% (30-03-2026) |
| 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 Dynamic Asset Allocation Fund (Direct) | Sundaram Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.83% | +8.79% |
| Standard deviation | 8.40% | 5.50% |
| Sharpe ratio | 0.22 | 0.50 |
| Sortino ratio | 0.29 | 0.69 |
| Maximum drawdown | −9.7% (30-03-2026) | −6.2% (30-03-2026) |
| 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 Dynamic Asset Allocation Fund (Direct) | Sundaram Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.67% | +8.70% |
| Standard deviation | 8.10% | 5.70% |
| Sharpe ratio | 0.22 | 0.49 |
| Sortino ratio | 0.30 | 0.67 |
| Maximum drawdown | −9.7% (30-03-2026) | −6.2% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 03-01-2022 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.
Sundaram Dynamic Asset Allocation Fund (Direct)
Sundaram Equity Savings Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Dynamic Asset Allocation Fund (Direct) | −9.7% | 28-11-2025 | 30-03-2026 | Not yet | -- | −5.8% |
| Sundaram Equity Savings Fund (Direct) | −6.2% | 02-01-2026 | 30-03-2026 | 03-08-2026 | 4 months | −3.0% |
From daily values since 03-01-2022, 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.
Sundaram Dynamic Asset Allocation Fund (Direct)
Sundaram Equity Savings 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 Dynamic Asset Allocation Fund (Direct)
Sundaram Equity Savings Fund (Direct)
Sundaram Dynamic Asset Allocation vs Sundaram Equity Savings: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Dynamic Asset Allocation Fund, September 2026; Sundaram Equity Savings Fund, September 2026
Holdings in common
- Overlap
- 60.1%
- Held by both
- 59
- Only in Sundaram Dynamic Asset Allocation
- 15
- Only in Sundaram Equity Savings
- 11
| Security | % of Sundaram Dynamic Asset Allocation | % of Sundaram Equity Savings |
|---|---|---|
| ICICI Bank Ltd | 7.12% | 7.53% |
| Reliance Industries Ltd | 5.12% | 7.36% |
| Bharti Airtel Ltd | 3.86% | 9.29% |
| HDFC Bank Ltd | 3.79% | 5.52% |
| Kotak Mahindra Bank Ltd | 3.24% | 3.14% |
| Larsen & Toubro Ltd | 2.98% | 3.59% |
| 6.48% Central Government Securities 06/10/2035 | 3.53% | 2.53% |
| Eternal Ltd (Previously Zomato Ltd) | 4.20% | 1.86% |
| Hindalco Industries Ltd | 1.47% | 1.98% |
| Mahindra & Mahindra Ltd | 1.34% | 2.00% |
| 7.23% Central Government Securities 15/04/2039 | 1.25% | 1.59% |
| TVS Motor Company Ltd | 1.86% | 1.11% |
| One 97 Communications Ltd | 1.55% | 0.96% |
| Bajaj Finserv Ltd | 2.20% | 0.93% |
| Oracle Financial Services Software Ltd | 1.38% | 0.87% |
| Cholamandalam Investment and Finance Company Ltd | 1.95% | 0.83% |
| Coforge Ltd | 1.27% | 0.78% |
| Vedanta Aluminium Metal Ltd | 1.29% | 0.74% |
| Fractal Analytics Ltd | 1.16% | 0.74% |
| Amber Enterprises India Ltd | 1.11% | 0.70% |
| Bajaj Finance Ltd | 0.68% | 1.34% |
| Billionbrains Garage Ventures Ltd | 1.04% | 0.65% |
| Granules India Ltd | 1.07% | 0.64% |
| Poonawalla Fincorp Ltd | 1.09% | 0.64% |
| MTAR Technologies Ltd | 1.05% | 0.63% |
| Coromandel International Ltd | 1.04% | 0.62% |
| Sun Pharmaceutical Industries Ltd | 0.97% | 0.61% |
| Aster DM Healthcare Ltd | 1.06% | 0.61% |
| PB Fintech Ltd | 0.97% | 0.60% |
| Cummins India Ltd | 1.06% | 0.60% |
| SBI Life Insurance Company Ltd | 0.99% | 0.59% |
| Force Motors Ltd | 0.95% | 0.57% |
| Multi Commodity Exchange of India Ltd | 0.92% | 0.56% |
| UNO Minda Ltd | 0.89% | 0.55% |
| JSW Infrastructure Ltd | 0.87% | 0.52% |
| Mankind Pharma Ltd | 0.77% | 0.50% |
| Delhivery Ltd | 0.84% | 0.49% |
| Home First Finance Company Ltd | 0.75% | 0.49% |
| Ultratech Cement Ltd | 0.84% | 0.49% |
| Horizon Industrial Parks Ltd | 0.79% | 0.48% |
| Interglobe Aviation Ltd | 0.78% | 0.47% |
| CCL Products (India) Ltd | 0.74% | 0.45% |
| CRISIL Ltd | 0.73% | 0.45% |
| Indegene Limited | 0.61% | 0.40% |
| Bajaj Auto Ltd | 0.69% | 0.39% |
| Mrs. Bectors Food Specialities Ltd | 0.59% | 0.39% |
| Ashok Leyland Ltd | 0.62% | 0.37% |
| Prudent Corporate Advisory Services Ltd | 0.56% | 0.37% |
| Alkem Laboratories Ltd | 0.62% | 0.36% |
| Gland Pharma Ltd | 0.64% | 0.35% |
| Lupin Ltd | 0.56% | 0.33% |
| NTPC LTD | 0.31% | 0.88% |
| State Bank of India | 0.31% | 2.44% |
| TD Power Systems Ltd | 0.50% | 0.30% |
| Cochin Shipyard Ltd | 0.50% | 0.27% |
| Clean Science & Technology Ltd | 0.51% | 0.27% |
| Elecon Engineering Company Ltd | 0.38% | 0.25% |
| Thermax Ltd | 0.44% | 0.25% |
| Dhoot Transmission Ltd | 0.24% | 0.14% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 60.1% means 60.1% 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 Dynamic Asset Allocation Fund
| Security | % of fund |
|---|---|
| 6.94% Central Government Securities 11/05/2036 | 2.47% |
| Embassy Office Parks REIT | 1.98% |
| 7.32% Government Securities-13/11/2030 | 1.91% |
| 7.38% Central Government Securities 20/06/2027 | 1.90% |
| REC LTD - 7.58% - 31/05/2029 | 1.56% |
Largest holdings only in Sundaram Equity Savings Fund
| Security | % of fund |
|---|---|
| Axis Bank Ltd | 4.87% |
| LIC Housing Finance Ltd - 6.65% - 15/02/2027 | 2.64% |
| Altius Telecom Infrastructure Trust | 1.66% |
| 7.37% Government Securities-23/10/2028 | 1.62% |
| Small Industries Development Bank of India - 7.47% - 05/09/2029 | 1.57% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Dynamic Asset Allocation | Sundaram Equity Savings |
|---|---|---|
| Equity | 76.3% | 77.7% |
| Debt | 18.8% | 13.1% |
| Cash and others | 4.9% | 9.2% |
Market cap of stocks
| Market cap | Sundaram Dynamic Asset Allocation | Sundaram Equity Savings |
|---|---|---|
| Large Cap | 48.5% | 60.8% |
| Mid Cap | 14.5% | 8.8% |
| Small Cap | 11.7% | 7.2% |
| Not on AMFI's list | 1.5% | 0.9% |
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 Dynamic Asset Allocation | Sundaram Equity Savings |
|---|---|---|
| Banks | 14.7% | 23.5% |
| Telecom - Services | 3.9% | 9.3% |
| Finance | 7.4% | 4.7% |
| Petroleum Products | 5.1% | 7.4% |
| Automobiles | 4.8% | 4.1% |
| Pharmaceuticals & Biotechnology | 4.6% | 2.8% |
| Retailing | 4.2% | 1.9% |
| Construction | 3.0% | 3.6% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Dynamic Asset Allocation vs Sundaram Equity Savings: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Dynamic Asset Allocation Fund | Sundaram Equity Savings Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.12% | 1.35% |
| Base expense ratio (Direct) | 0.58% | 0.70% |
| Total expense ratio (Regular) | 2.54% | 2.79% |
| Base expense ratio (Regular) | 1.81% | 1.96% |
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 Dynamic Asset Allocation with
- Sundaram Dynamic Asset Allocation vs quant Dynamic Asset Allocation
- Sundaram Dynamic Asset Allocation vs Aditya Birla Sun Life Balanced Advantage
- Sundaram Dynamic Asset Allocation vs Baroda BNP Paribas Balanced Advantage
- Sundaram Dynamic Asset Allocation vs Axis Balanced Advantage
- Sundaram Dynamic Asset Allocation vs WhiteOak Capital Balanced Advantage
Sundaram Dynamic Asset Allocation Fund vs Sundaram Equity Savings Fund: Frequently Asked Questions
What is the difference between Sundaram Dynamic Asset Allocation Fund and Sundaram Equity Savings Fund?
Sundaram Dynamic Asset Allocation Fund is a Balanced Advantage fund, Sundaram Equity Savings Fund is an Equity Savings fund, run by Sundaram Mutual Fund. Their portfolios overlap 60.1%. Sundaram Dynamic Asset Allocation Fund charges 1.12% a year and Sundaram Equity Savings Fund 1.35%.
Which has given higher returns, Sundaram Dynamic Asset Allocation Fund or Sundaram Equity Savings Fund?
Over 1 year: Sundaram Dynamic Asset Allocation Fund −4.99%, Sundaram Equity Savings Fund −1.58%. Over 3 years: Sundaram Dynamic Asset Allocation Fund +7.83% a year, Sundaram Equity Savings Fund +8.79% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Dynamic Asset Allocation Fund or Sundaram Equity Savings Fund?
Sundaram Dynamic Asset Allocation Fund charges less: 1.12% a year against 1.35%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Sundaram Dynamic Asset Allocation Fund and Sundaram Equity Savings Fund overlap?
60.1%. They hold 59 of the same securities, the largest shared ones being ICICIBANK, RELIANCE, BHARTIARTL. From each fund's latest monthly portfolio.
Which is better for SIP, Sundaram Dynamic Asset Allocation Fund or Sundaram Equity Savings Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,81,965 in Sundaram Dynamic Asset Allocation Fund (XIRR 2.0% a year) and ₹3,94,914 in Sundaram Equity Savings Fund (XIRR 4.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Sundaram Dynamic Asset Allocation Fund and Sundaram Equity Savings Fund?
Yes. 60.1% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Sundaram Dynamic Asset Allocation Fund and Sundaram Equity Savings Fund?
Sundaram Dynamic Asset Allocation Fund: Bharath, Clyton Richard Fernandes, Kumaresh Ramakrishnan. Sundaram Equity Savings Fund: Clyton Richard Fernandes, Rohit Seksaria, 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.