Sundaram Financial Services Opportunities Fund vs Tata NIFTY Financial Services Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Financial Services Opportunities Fund is a Thematic fund and Tata NIFTY Financial Services Index Fund is an Index fund. In the year to 30-10-2026, Sundaram Financial Services Opportunities Fund (Direct) returned −5.5% and Tata NIFTY Financial Services Index Fund (Direct) returned −9.5%. Sundaram Financial Services Opportunities Fund charges 0.92% a year and Tata NIFTY Financial Services Index Fund 0.58% (Direct plans). Their portfolios overlap 52.3%: they hold 9 of the same securities.
Sundaram Financial Services Opportunities Fund
Thematic
- 1 year return
- −5.5%
- Expense ratio
- 0.92%
- NAV
- ₹114.26
Tata NIFTY Financial Services Index Fund
Index
- 1 year return
- −9.5%
- Expense ratio
- 0.58%
- NAV
- ₹11.64
Which is better, Sundaram Financial Services Opportunities or Tata NIFTY Financial Services Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Sundaram Financial Services Opportunities returned more over 1 year: −5.5% against −9.5%.
- Tata NIFTY Financial Services Index costs less: 0.58% a year against 0.92% (Direct plans).
- Sundaram Financial Services Opportunities fell less in its worst fall since 30-04-2024: −17.2% against −17.4%.
- Tata NIFTY Financial Services Index holds more in large companies: 95.2% of the fund in large caps against 58.0%.
- Sundaram Financial Services Opportunities is the larger fund: ₹1,614 Cr against ₹77 Cr.
- Their portfolios overlap 52.3%: 9 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 Financial Services Opportunities Fund | Tata NIFTY Financial Services Index Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Index |
| AUM | ₹1,614 Cr (30-09-2026) | ₹77 Cr (30-09-2026) |
| NAV | ₹114.26 (Direct) | ₹11.64 (Direct) |
| Expense ratio (Direct) | 0.92% | 0.58% |
| Expense ratio (Regular) | 2.20% | 1.13% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Financial Services TRI | Nifty Financial Services TRI |
| Launch date | 01-06-2008 | 26-04-2024 |
| Minimum investment | ₹100 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Rohit Seksaria, Shalav Saket | Nitin Sharma, Rakesh Prajapati |
| Exit load | 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. | Exit Load: 0.25% of the applicable NAV, if redeemed on or before 15 days from the date of allotment. |
Sundaram Financial Services Opportunities vs Tata NIFTY Financial Services Index: 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 Financial Services Opportunities Fund (Direct) | −3.81% | −6.67% | −3.70% | −5.53% | +10.28% | +11.40% | +13.25% |
| Tata NIFTY Financial Services Index Fund (Direct) | +0.27% | −5.76% | −3.15% | −9.46% | -- | -- | -- |
| 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.
Sundaram Financial Services Opportunities vs Tata NIFTY Financial Services Index: Year-wise Returns
| Year | Sundaram Financial Services OpportunitiesSundaram Financial Services Opportunities | Tata NIFTY Financial Services IndexTata NIFTY Financial Services Index | Nifty Financial Services TRI |
|---|---|---|---|
| 2026to date | −8.46% | −10.13% | −9.69% |
| 2025 | +18.48% | +17.50% | +18.60% |
| 2024 | +8.54% | -- | +10.52% |
| 2023 | +33.11% | -- | +14.31% |
| 2022 | +18.51% | -- | +10.47% |
| 2021 | +17.01% | -- | +14.55% |
Sundaram Financial Services Opportunities vs Tata NIFTY Financial Services Index: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 371 of them, one for each trading day from 30-04-2025 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 Financial Services Opportunities Fund (Direct)
Tata NIFTY Financial Services Index Fund (Direct)
Nifty Financial Services TRI
to
Jun 2025Sept 2024
to
Sept 2025Dec 2024
to
Dec 2025Mar 2025
to
Mar 2026Jun 2025
to
Jun 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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Financial Services Opportunities | 8.4 | 21.8 | 28.6 | 20.8 | 11.3 | 6.7 | 2.4 | 9.2% | 8.3% | −5.9% | 27.0% | 54% |
| Tata NIFTY Financial Services Index | 26.4 | 13.7 | 6.5 | 20.5 | 21.0 | 11.3 | 0.5 | 8.7% | 11.1% | −11.5% | 25.7% | 0% |
| Nifty Financial Services TRI | 23.5 | 16.2 | 5.7 | 15.4 | 22.4 | 16.2 | 0.8 | 9.6% | 12.1% | −10.9% | 26.9% | -- |
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 Financial Services 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 30-04-2024. Past returns do not promise future returns.
Sundaram Financial Services Opportunities vs Tata NIFTY Financial Services Index: 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 01-04-2024 to 30-10-2026: 31 instalments, ₹3,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Financial Services OpportunitiesSundaram Financial Services Opportunities Fund (Direct) | ₹3,10,000 | ₹3,11,771 | ₹1,771 | 0.4% |
| Tata NIFTY Financial Services IndexTata NIFTY Financial Services Index Fund (Direct) | ₹3,10,000 | ₹3,08,128 | −₹1,872 | −0.5% |
Sundaram Financial Services OpportunitiesSundaram Financial Services Opportunities Fund (Direct)
Tata NIFTY Financial Services IndexTata NIFTY Financial Services Index 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 Financial Services Opportunities vs Tata NIFTY Financial Services Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Financial Services Opportunities Fund (Direct) | Tata NIFTY Financial Services Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.53% | −9.46% |
| Standard deviation | 18.37% | 17.58% |
| Sharpe ratio | -0.59 | -0.84 |
| Sortino ratio | -0.81 | -1.16 |
| Maximum drawdown | −17.2% (31-03-2026) | −17.4% (31-03-2026) |
| Beta | 0.99 | 1.00 |
| Alpha | +3.25% | −0.58% |
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 Financial Services Opportunities Fund (Direct) | Tata NIFTY Financial Services Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.84% | +5.44% |
| Standard deviation | 20.35% | 16.69% |
| Sharpe ratio | 0.33 | -0.02 |
| Sortino ratio | 0.46 | -0.03 |
| Maximum drawdown | −43.2% (23-03-2020) | −17.4% (31-03-2026) |
| Beta | 0.93 | 1.00 |
| Alpha | +0.41% | −0.81% |
From daily NAVs, 02-01-2013 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 Financial Services Opportunities Fund (Direct)
Tata NIFTY Financial Services Index Fund (Direct)
Nifty Financial Services TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Financial Services Opportunities Fund (Direct) | −17.2% | 18-02-2026 | 31-03-2026 | Not yet | -- | −11.1% |
| Tata NIFTY Financial Services Index Fund (Direct) | −17.4% | 18-02-2026 | 31-03-2026 | Not yet | -- | −12.7% |
| Nifty Financial Services TRI | −17.3% | 18-02-2026 | 30-03-2026 | Not yet | -- | −12.4% |
From daily values since 30-04-2024, 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 Financial Services Opportunities Fund (Direct)
Tata NIFTY Financial Services Index Fund (Direct)
Nifty Financial Services TRI
Against Nifty Financial Services TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Sundaram Financial Services Opportunities Fund (Direct) | 94% | 103% | 6.09% |
| Tata NIFTY Financial Services Index Fund (Direct) | 98% | 102% | 0.20% |
From month-end values since 30-04-2024. 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.
Sundaram Financial Services Opportunities vs Tata NIFTY Financial Services Index: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Financial Services Opportunities Fund, September 2026; Tata NIFTY Financial Services Index Fund, September 2026
Holdings in common
- Overlap
- 52.3%
- Held by both
- 9
- Only in Sundaram Financial Services Opportunities
- 20
- Only in Tata NIFTY Financial Services Index
- 11
| Security | % of Sundaram Financial Services Opportunities | % of Tata NIFTY Financial Services Index |
|---|---|---|
| ICICI Bank Ltd | 11.11% | 14.20% |
| Axis Bank Ltd | 10.11% | 10.18% |
| HDFC Bank Ltd | 8.40% | 18.64% |
| State Bank of India | 7.89% | 9.94% |
| Kotak Mahindra Bank Ltd | 5.87% | 10.11% |
| Shriram Finance Ltd | 4.09% | 4.53% |
| Bajaj Finserv Ltd | 4.73% | 3.31% |
| Power Finance Corporation Ltd | 0.86% | 1.56% |
| REC Ltd | 0.67% | 1.23% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 52.3% means 52.3% 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 Financial Services Opportunities Fund
| Security | % of fund |
|---|---|
| DCB Bank Ltd | 4.54% |
| PNB Housing Finance Ltd | 4.38% |
| Bank of Baroda | 3.83% |
| Cholamandalam Financial Holdings Ltd | 3.58% |
| Bandhan Bank Ltd | 3.34% |
Largest holdings only in Tata NIFTY Financial Services Index Fund
| Security | % of fund |
|---|---|
| BAJAJ FINANCE LTD | 8.62% |
| BSE LTD | 4.16% |
| SBI LIFE INSURANCE COMPANY LTD | 2.51% |
| JIO FINANCIAL SERVICES LTD | 2.34% |
| CHOLAMANDALAM INVESTMENT & FINANCE CO LTD | 2.31% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Financial Services Opportunities | Tata NIFTY Financial Services Index |
|---|---|---|
| Equity | 97.1% | 100.0% |
| Debt | 1.1% | 0.0% |
| Cash and others | 1.9% | -0.0% |
Market cap of stocks
| Market cap | Sundaram Financial Services Opportunities | Tata NIFTY Financial Services Index |
|---|---|---|
| Large Cap | 58.0% | 95.2% |
| Mid Cap | 8.4% | 4.2% |
| Small Cap | 30.7% | 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 Financial Services Opportunities | Tata NIFTY Financial Services Index |
|---|---|---|
| Banks | 62.5% | 63.1% |
| Finance | 26.2% | 26.0% |
| Insurance | 1.7% | 6.8% |
| Financial Technology (Fintech) | 4.5% | 0.0% |
| Capital Markets | 2.1% | 4.2% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Financial Services Opportunities vs Tata NIFTY Financial Services Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Financial Services Opportunities Fund | Tata NIFTY Financial Services Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.92% | 0.58% |
| Base expense ratio (Direct) | 0.69% | 0.39% |
| Total expense ratio (Regular) | 2.20% | 1.13% |
| Base expense ratio (Regular) | 1.81% | 0.90% |
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
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Sundaram Financial Services Opportunities Fund vs Tata NIFTY Financial Services Index Fund: Frequently Asked Questions
What is the difference between Sundaram Financial Services Opportunities Fund and Tata NIFTY Financial Services Index Fund?
Sundaram Financial Services Opportunities Fund is a Thematic fund, Tata NIFTY Financial Services Index Fund is an Index fund, run by Sundaram Mutual Fund and Tata Mutual Fund. Their portfolios overlap 52.3%. Sundaram Financial Services Opportunities Fund charges 0.92% a year and Tata NIFTY Financial Services Index Fund 0.58%.
Which has given higher returns, Sundaram Financial Services Opportunities Fund or Tata NIFTY Financial Services Index Fund?
Over 1 year: Sundaram Financial Services Opportunities Fund −5.53%, Tata NIFTY Financial Services Index Fund −9.46%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Financial Services Opportunities Fund or Tata NIFTY Financial Services Index Fund?
Tata NIFTY Financial Services Index Fund charges less: 0.58% a year against 0.92%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Sundaram Financial Services Opportunities Fund and Tata NIFTY Financial Services Index Fund overlap?
52.3%. They hold 9 of the same securities, the largest shared ones being ICICIBANK, AXISBANK, HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, Sundaram Financial Services Opportunities Fund or Tata NIFTY Financial Services Index Fund?
On SEBI's riskometer, Sundaram Financial Services Opportunities Fund is rated Very High and Tata NIFTY Financial Services Index Fund Very High. Over 1 years, the standard deviation of daily returns was 18.37% and 17.58% a year.
Can I invest in both Sundaram Financial Services Opportunities Fund and Tata NIFTY Financial Services Index Fund?
Yes. 52.3% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Sundaram Financial Services Opportunities Fund and Tata NIFTY Financial Services Index Fund?
Sundaram Financial Services Opportunities Fund: Rohit Seksaria, Shalav Saket. Tata NIFTY Financial Services Index 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.