Sundaram Equity Savings Fund vs Tata NIFTY 50 Exchange Traded Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Sundaram Equity Savings Fund is an Equity Savings fund and Tata NIFTY 50 Exchange Traded Fund is an Index fund. In the 3 years to 30-10-2026, Sundaram Equity Savings Fund (Direct) returned 8.8% a year and Tata NIFTY 50 Exchange Traded Fund returned 7.5% a year. Sundaram Equity Savings Fund charges 1.35% a year and Tata NIFTY 50 Exchange Traded Fund 0.09%. Their portfolios overlap 50.0%: they hold 21 of the same securities.
Sundaram Equity Savings Fund
Equity Savings
- 3 year return
- 8.8%
- Expense ratio
- 1.35%
- NAV
- ₹82.49
Tata NIFTY 50 Exchange Traded Fund
Index
- 3 year return
- 7.5%
- Expense ratio
- 0.09%
- NAV
- ₹251.41
Which is better, Sundaram Equity Savings or Tata NIFTY 50 Exchange Traded? 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 7.5%.
- Sundaram Equity Savings returned more over 1 year: −1.6% against −10.1%.
- Tata NIFTY 50 Exchange Traded costs less: 0.09% a year against 1.35%.
- Sundaram Equity Savings swung less over 3 years: a standard deviation of 5.5% a year against 13.2%.
- Sundaram Equity Savings fell less in its worst fall since 03-01-2022: −6.2% against −15.8%.
- Tata NIFTY 50 Exchange Traded holds more in large companies: 98.6% of the fund in large caps against 60.8%.
- Sundaram Equity Savings is the larger fund: ₹943 Cr against ₹674 Cr.
- Their portfolios overlap 50.0%: 21 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 Equity Savings Fund | Tata NIFTY 50 Exchange Traded Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | Tata Mutual Fund |
| Category | Equity Savings | Index |
| AUM | ₹943 Cr (30-09-2026) | ₹674 Cr (30-09-2026) |
| NAV | ₹82.49 (Direct) | ₹251.41 |
| Expense ratio (Direct) | 1.35% | Not available |
| Expense ratio (Regular) | 2.79% | Not available |
| Riskometer | Not available | Very High |
| Benchmark | Nifty Equity Savings Index | Nifty 50 TRI |
| Launch date | 01-05-2002 | 01-01-2019 |
| Minimum investment | New Investor/Existing – Rs.100/- for Quarterly IDCW, halfyearly IDCW and Growth Option. | Not available |
| Lock in | None | None |
| Fund managers | Clyton Richard Fernandes, Rohit Seksaria, Kumaresh Ramakrishnan | Nitin Sharma, Rakesh Prajapati |
| Exit load | 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. | NIL |
Sundaram Equity Savings vs Tata NIFTY 50 Exchange Traded: 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 Equity Savings Fund (Direct) | −0.13% | −1.66% | +0.06% | −1.58% | +8.79% | -- | -- |
| Tata NIFTY 50 Exchange Traded Fund | +1.95% | −4.98% | −3.13% | −10.05% | +7.53% | +6.62% | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | +8.55% | -- | -- |
Category average: the average of the 23 Equity Savings funds, same plan type.
Sundaram Equity Savings vs Tata NIFTY 50 Exchange Traded: Year-wise Returns
| Year | Sundaram Equity SavingsSundaram Equity Savings | Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded |
|---|---|---|
| 2026to date | −2.07% | −10.98% |
| 2025 | +8.01% | +11.85% |
| 2024 | +14.49% | +9.95% |
| 2023 | +17.33% | +21.14% |
| 2022 | -- | +5.68% |
| 2021 | -- | +25.44% |
Sundaram Equity Savings vs Tata NIFTY 50 Exchange Traded: Rolling Returns
Every holding period of both funds, against Nifty 50 TRI, the benchmark of Tata NIFTY 50 Exchange Traded Fund
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 Equity Savings Fund (Direct)
Tata NIFTY 50 Exchange Traded Fund
Nifty 50 TRI
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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | 47% |
| Tata NIFTY 50 Exchange Traded | 0.0 | 0.0 | 26.2 | 60.0 | 13.8 | 0.0 | 0.0 | 12.2% | 12.6% | 5.3% | 19.0% | 0% |
| Nifty 50 TRI | 0.0 | 0.0 | 25.4 | 59.7 | 14.9 | 0.0 | 0.0 | 12.3% | 12.7% | 5.4% | 19.1% | -- |
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 50 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 03-01-2022. Past returns do not promise future returns.
Sundaram Equity Savings vs Tata NIFTY 50 Exchange Traded: 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 Equity SavingsSundaram Equity Savings Fund (Direct) | ₹5,80,000 | ₹6,96,045 | ₹1,16,045 | 7.5% |
| Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund | ₹5,80,000 | ₹6,54,086 | ₹74,086 | 4.9% |
Sundaram Equity SavingsSundaram Equity Savings Fund (Direct)
Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund
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 Equity Savings vs Tata NIFTY 50 Exchange Traded: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Equity Savings Fund (Direct) | Tata NIFTY 50 Exchange Traded Fund |
|---|---|---|
| Return (CAGR) | −1.58% | −10.05% |
| Standard deviation | 6.00% | 13.61% |
| Sharpe ratio | -1.14 | -1.12 |
| Sortino ratio | -1.50 | -1.50 |
| Maximum drawdown | −6.2% (30-03-2026) | −15.2% (31-03-2026) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.07% |
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 Equity Savings Fund (Direct) | Tata NIFTY 50 Exchange Traded Fund |
|---|---|---|
| Return (CAGR) | +8.79% | +7.53% |
| Standard deviation | 5.50% | 13.18% |
| Sharpe ratio | 0.50 | 0.11 |
| Sortino ratio | 0.69 | 0.16 |
| Maximum drawdown | −6.2% (30-03-2026) | −15.5% (04-03-2025) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.09% |
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 Equity Savings Fund (Direct) | Tata NIFTY 50 Exchange Traded Fund |
|---|---|---|
| Return (CAGR) | +8.70% | +11.42% |
| Standard deviation | 5.70% | 17.06% |
| Sharpe ratio | 0.49 | 0.36 |
| Sortino ratio | 0.67 | 0.50 |
| Maximum drawdown | −6.2% (30-03-2026) | −38.4% (23-03-2020) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.06% |
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 Equity Savings Fund (Direct)
Tata NIFTY 50 Exchange Traded Fund
Nifty 50 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Equity Savings Fund (Direct) | −6.2% | 02-01-2026 | 30-03-2026 | 03-08-2026 | 4 months | −3.0% |
| Tata NIFTY 50 Exchange Traded Fund | −15.8% | 17-01-2022 | 17-06-2022 | 01-11-2022 | 5 months | −11.7% |
| Nifty 50 TRI | −15.8% | 17-01-2022 | 17-06-2022 | 01-11-2022 | 5 months | −11.6% |
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 Equity Savings Fund (Direct)
Tata NIFTY 50 Exchange Traded Fund
Nifty 50 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.
Sundaram Equity Savings Fund (Direct)
Tata NIFTY 50 Exchange Traded Fund
Nifty 50 TRI
Against Nifty 50 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Sundaram Equity Savings Fund (Direct) | 56% | 29% | 8.31% |
| Tata NIFTY 50 Exchange Traded Fund | 100% | 100% | 0.08% |
From month-end values since 03-01-2022. 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.
Sundaram Equity Savings vs Tata NIFTY 50 Exchange Traded: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Equity Savings Fund, September 2026; Tata NIFTY 50 Exchange Traded Fund, September 2026
Holdings in common
- Overlap
- 50.0%
- Held by both
- 21
- Only in Sundaram Equity Savings
- 49
- Only in Tata NIFTY 50 Exchange Traded
- 29
| Security | % of Sundaram Equity Savings | % of Tata NIFTY 50 Exchange Traded |
|---|---|---|
| ICICI Bank Ltd | 7.53% | 9.14% |
| Reliance Industries Ltd | 7.36% | 7.74% |
| HDFC Bank Ltd | 5.52% | 10.48% |
| Bharti Airtel Ltd | 9.29% | 5.16% |
| Larsen & Toubro Ltd | 3.59% | 4.25% |
| Axis Bank Ltd | 4.87% | 3.40% |
| Kotak Mahindra Bank Ltd | 3.14% | 2.96% |
| State Bank of India | 2.44% | 3.83% |
| Mahindra & Mahindra Ltd | 2.00% | 2.54% |
| Eternal Ltd (Previously Zomato Ltd) | 1.86% | 2.23% |
| Bajaj Finance Ltd | 1.34% | 2.48% |
| Hindalco Industries Ltd | 1.98% | 1.32% |
| JSW Steel Ltd | 1.18% | 1.13% |
| Bajaj Finserv Ltd | 0.93% | 0.97% |
| NTPC LTD | 0.88% | 1.48% |
| Sun Pharmaceutical Industries Ltd | 0.61% | 1.86% |
| SBI Life Insurance Company Ltd | 0.59% | 0.74% |
| Ultratech Cement Ltd | 0.49% | 1.25% |
| Interglobe Aviation Ltd | 0.47% | 1.09% |
| Bajaj Auto Ltd | 0.39% | 1.16% |
| Maruti Suzuki India Ltd | 0.01% | 1.51% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 50.0% means 50.0% 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 Equity Savings Fund
| Security | % of fund |
|---|---|
| LIC Housing Finance Ltd - 6.65% - 15/02/2027 | 2.64% |
| 6.48% Central Government Securities 06/10/2035 | 2.53% |
| Altius Telecom Infrastructure Trust | 1.66% |
| 7.37% Government Securities-23/10/2028 | 1.62% |
| 7.23% Central Government Securities 15/04/2039 | 1.59% |
Largest holdings only in Tata NIFTY 50 Exchange Traded Fund
| Security | % of fund |
|---|---|
| INFOSYS LTD | 3.37% |
| ITC LTD | 2.44% |
| TATA CONSULTANCY SERVICES LTD | 2.02% |
| TITAN COMPANY LTD | 1.83% |
| HINDUSTAN UNILEVER LTD | 1.61% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Equity Savings | Tata NIFTY 50 Exchange Traded |
|---|---|---|
| Equity | 77.7% | 100.0% |
| Debt | 13.1% | 0.0% |
| Cash and others | 9.2% | 0.0% |
Market cap of stocks
| Market cap | Sundaram Equity Savings | Tata NIFTY 50 Exchange Traded |
|---|---|---|
| Large Cap | 60.8% | 98.6% |
| Mid Cap | 8.8% | 1.4% |
| Small Cap | 7.2% | 0.0% |
| Not on AMFI's list | 0.9% | 0.0% |
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 Equity Savings | Tata NIFTY 50 Exchange Traded |
|---|---|---|
| Banks | 23.5% | 29.8% |
| Telecom - Services | 9.3% | 5.2% |
| IT - Software | 0.0% | 8.0% |
| Petroleum Products | 7.4% | 7.7% |
| Automobiles | 4.1% | 6.7% |
| Finance | 4.7% | 5.5% |
| Construction | 3.6% | 4.3% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Equity Savings vs Tata NIFTY 50 Exchange Traded: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Equity Savings Fund | Tata NIFTY 50 Exchange Traded Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.35% | Not available |
| Base expense ratio (Direct) | 0.70% | 0.07% |
| Total expense ratio (Regular) | 2.79% | Not available |
| Base expense ratio (Regular) | 1.96% | 0.00% |
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
Sundaram Equity Savings Fund vs Tata NIFTY 50 Exchange Traded Fund: Frequently Asked Questions
What is the difference between Sundaram Equity Savings Fund and Tata NIFTY 50 Exchange Traded Fund?
Sundaram Equity Savings Fund is an Equity Savings fund, Tata NIFTY 50 Exchange Traded Fund is an Index fund, run by Sundaram Mutual Fund and Tata Mutual Fund. Their portfolios overlap 50.0%. Sundaram Equity Savings Fund charges 1.35% a year and Tata NIFTY 50 Exchange Traded Fund 0.09%.
Which has given higher returns, Sundaram Equity Savings Fund or Tata NIFTY 50 Exchange Traded Fund?
Over 1 year: Sundaram Equity Savings Fund −1.58%, Tata NIFTY 50 Exchange Traded Fund −10.05%. Over 3 years: Sundaram Equity Savings Fund +8.79% a year, Tata NIFTY 50 Exchange Traded Fund +7.53% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Equity Savings Fund or Tata NIFTY 50 Exchange Traded Fund?
Tata NIFTY 50 Exchange Traded Fund charges less: 0.09% a year against 1.35%. These are the total expense ratios reported to AMFI.
How much do Sundaram Equity Savings Fund and Tata NIFTY 50 Exchange Traded Fund overlap?
50.0%. They hold 21 of the same securities, the largest shared ones being ICICIBANK, RELIANCE, HDFCBANK. From each fund's latest monthly portfolio.
Which is better for SIP, Sundaram Equity Savings Fund or Tata NIFTY 50 Exchange Traded Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,94,914 in Sundaram Equity Savings Fund (XIRR 4.2% a year) and ₹3,68,869 in Tata NIFTY 50 Exchange Traded Fund (XIRR -0.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Sundaram Equity Savings Fund and Tata NIFTY 50 Exchange Traded Fund?
Yes. 50.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Sundaram Equity Savings Fund and Tata NIFTY 50 Exchange Traded Fund?
Sundaram Equity Savings Fund: Clyton Richard Fernandes, Rohit Seksaria, Kumaresh Ramakrishnan. Tata NIFTY 50 Exchange Traded Fund: Nitin Sharma, Rakesh Prajapati.
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.