Banking & PSUDirect and Regular plans, Growth and IDCW options
Data as on 30-10-2026
Sundaram Banking and PSU Debt Fund is a mutual fund run by Sundaram Mutual Fund. On 30-09-2026, it managed ₹258 Cr of investors' money.
NAV on 30-10-2026: Direct Plan Growth ₹46.41 (up 0.04% that day); Regular Plan Growth ₹45.67 (up 0.03% that day).
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,613 periods, one for each trading day from 11-01-2016 to 30-10-2026.
Sundaram Banking and PSU Debt Fund (Direct)
Every holding period at a glance
| Period | Periods | Median | Lowest | Highest | With a loss |
|---|---|---|---|---|---|
| 1 year | 3,089 | 7.8% | 1.3% | 11.7% | 0% |
| 2 years | 2,854 | 7.5% | 2.7% | 10.2% | 0% |
| 3 years | 2,613 | 7.3% | 4.1% | 9.3% | 0% |
| 5 years | 2,130 | 6.5% | 5.7% | 8.2% | 0% |
| 7 years | 1,648 | 6.6% | 5.9% | 8.5% | 0% |
| 10 years | 920 | 6.8% | 6.4% | 7.1% | 0% |
Every SIP holding period at a glance
| Period | Periods | Median | Lowest | Highest | With a loss |
|---|---|---|---|---|---|
| 1 year | 154 | 7.6% | 0.6% | 11.7% | 0% |
| 2 years | 142 | 7.5% | 2.0% | 10.3% | 0% |
| 3 years | 130 | 7.2% | 3.4% | 9.2% | 0% |
| 5 years | 106 | 6.7% | 5.0% | 8.4% | 0% |
| 7 years | 82 | 6.3% | 5.6% | 8.3% | 0% |
| 10 years | 46 | 6.4% | 6.2% | 6.8% | 0% |
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.
How much it swings, and the falls an investor had to sit through
Risk and return
| Measure | Sundaram Banking and PSU Debt Fund (Direct)This fund |
|---|---|
| Return (CAGR) | +3.96% |
| Standard deviation | 1.21% |
| Sharpe ratio | -1.06 |
| Sortino ratio | -1.45 |
| Maximum drawdown | −0.54% (21-05-2026) |
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.
| Measure | Sundaram Banking and PSU Debt Fund (Direct)This fund |
|---|---|
| Return (CAGR) | +6.83% |
| Standard deviation | 1.01% |
| Sharpe ratio | 0.80 |
| Sortino ratio | 1.18 |
| Maximum drawdown | −0.54% (21-05-2026) |
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.
| Measure | Sundaram Banking and PSU Debt Fund (Direct)This fund |
|---|---|
| Return (CAGR) | +5.95% |
| Standard deviation | 1.03% |
| Sharpe ratio | 0.14 |
| Sortino ratio | 0.19 |
| Maximum drawdown | −1.5% (06-05-2022) |
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.
| Measure | Sundaram Banking and PSU Debt Fund (Direct)This fund |
|---|---|
| Return (CAGR) | +6.38% |
| Standard deviation | 1.19% |
| Sharpe ratio | 0.82 |
| Sortino ratio | 1.31 |
| Maximum drawdown | −1.8% (24-03-2020) |
From daily NAVs, 28-10-2016 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.
| Measure | Sundaram Banking and PSU Debt Fund (Direct)This fund |
|---|---|
| Return (CAGR) | +7.01% |
| Standard deviation | 1.11% |
| Sharpe ratio | 0.88 |
| Sortino ratio | 1.32 |
| Maximum drawdown | −1.8% (24-03-2020) |
From daily NAVs, 09-01-2013 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.
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 Banking and PSU Debt Fund (Direct)
| Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today | |
|---|---|---|---|---|---|---|
| Sundaram Banking and PSU Debt Fund (Direct) | −1.8% | 09-03-2020 | 24-03-2020 | 27-03-2020 | 3 days | −0.37% |
From the Direct plan's daily NAV since 09-01-2013, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.
What each plan charges a year, in force from 01-09-2026
| Plan | Base expense ratio | Brokerage | Transaction costs | Levies and GST | Total expense ratio |
|---|---|---|---|---|---|
| Direct | 0.23% | 0.00% | 0.00% | 0.04% | 0.27% |
| Regular | 0.36% | 0.00% | 0.00% | 0.06% | 0.42% |
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 09-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Direct planSundaram Banking and PSU Debt Fund (Direct) | ₹16,60,000 | ₹26,52,777 | ₹9,92,777 | 6.5% |
| Regular planSundaram Banking and PSU Debt Fund (Regular) | ₹16,60,000 | ₹26,25,942 | ₹9,65,942 | 6.4% |
Direct planSundaram Banking and PSU Debt Fund (Direct)
Regular planSundaram Banking and PSU Debt Fund (Regular)
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.
Asset allocation as on 30-09-2026
89.3%Debt
| Asset | Fund |
|---|---|
| Debt | 89.3% |
| Cash and others | 10.7% |
Bonds and money market papers by credit rating, % of the fund.
| Rating | Fund |
|---|---|
| Sovereign | 3.8% |
| AAA and A1+ | 85.6% |
As on 30-09-2026 · 26 holdings · from the fund house's monthly portfolio
| Holdings | Rating | Weight% |
|---|---|---|
| HDFC Bank Ltd - 7.7% - 16/05/2028 · Bond | ICRA AAA | 9.67% |
| National Housing Bank - 7.59% - 14/07/2027 · Bond | CRISIL AAA | 7.76% |
| Export Import Bank of India - 7.35% - 27/07/2028 · Bond | ICRA AAA | 7.73% |
| Indian Oil Corporation Ltd - 7.44% - 25/11/2027 · Bond | ICRA AAA | 5.82% |
| National Bank for Agriculture & Rural Development - 7.53% - 24/03/2028 · Bond | ICRA AAA | 3.86% |
| Power Finance Corporation Ltd - 6.73% - 15/10/2027 · Bond | CRISIL AAA | 3.85% |
| Indian Railway Finance Corporation Ltd - 7.37% - 31/07/2029 · Bond | ICRA AAA | 3.85% |
| Power Finance Corporation Ltd - 6.96% - 02/03/2028 · Bond | CRISIL AAA | 3.84% |
| Small Industries Development Bank of India - 7.42% - 12/03/2029 · Bond | CRISIL AAA | 3.84% |
| National Bank for Financing Infrastructure and Development - 7.37% - 16/07/2029 · Bond | CRISIL AAA | 3.83% |
| Bajaj Finance Ltd - 7.11% - 10/07/2028 · Bond | CRISIL AAA | 3.81% |
| National Bank for Agriculture & Rural Development - 6.66% - 12/10/2028 · Bond | ICRA AAA | 3.80% |
| State Bank of India - 6.93% - 20/10/2035** - Call Dt : 09-Oct-2030 · Bond | ICRA AAA | 3.76% |
| REC LTD - 7.28% - 31/08/2029 · Bond | CRISIL AAA | 3.25% |
| HDB Financial Services Ltd - 7.9611% - 05/01/2028 · Bond | CRISIL AAA | 1.93% |
| Indian Railway Finance Corporation Ltd - 7.46% - 18/06/2029 · Bond | CRISIL AAA | 1.93% |
| Bharti Telecom Ltd - 7.35% - 15/10/2027 · Bond | CRISIL AAA | 1.92% |
| National Bank for Agriculture & Rural Development - 7.44% - 17/07/2029 · Bond | CRISIL AAA | 1.92% |
| Housing & Urban Development Corporation Ltd - 7.23% - 18/07/2029 · Bond | ICRA AAA | 1.91% |
| Small Industries Development Bank of India - 7.22% - 10/04/2029 · Bond | CRISIL AAA | 1.91% |
| REC LTD - 7.34% - 30/04/2030 · Bond | CRISIL AAA | 1.91% |
| Small Industries Development Bank of India - 7.04% - 09/02/2029 · Bond | CRISIL AAA | 1.91% |
| 6.45% Gujarat State Development Loan - 06/01/2030 · State government security | Sovereign | 1.89% |
| 6.53% Tamil Nadu State Development Loan 06/01/2031 · State government security | Sovereign | 1.88% |
| REC LTD - 6.52% - 31/01/2028 · Bond | ICRA AAA | 1.53% |
| Corporate Debt Market Development Fund - Class A2 | 0.54% |
Funds with the most similar portfolios, across every fund house and category
| Fund | Overlap | Holdings in common | |
|---|---|---|---|
| Sundaram Short Term FundShort Duration · Sundaram | 29.9% | 11 | Compare |
| Sundaram Corporate Bond FundCorporate Bond · Sundaram | 27.1% | 14 | Compare |
| Edelweiss Banking and PSU Debt FundBanking & PSU · Edelweiss | 17.3% | 5 | Compare |
| TRUSTMF Corporate Bond FundCorporate Bond · Trust | 14.7% | 3 | Compare |
| Sundaram Medium Term FundMedium Duration · Sundaram | 14.3% | 7 | Compare |
| Groww Short Term FundShort Duration · Groww | 13.3% | 4 | Compare |
| Baroda BNP Paribas Ultra Short to Short Term FundLow Duration · Baroda BNP Paribas | 12.4% | 5 | Compare |
| Bandhan Banking and PSU Debt FundBanking & PSU · Bandhan | 12.2% | 9 | Compare |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Fund facts from the scheme summary document, as on 16-10-2026
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
| Plan | Option | NAV | As on |
|---|---|---|---|
| direct | Growth | ₹46.4113 | 30-10-2026 |
| direct | Income Distribution Cum Capital Withdrawal IDCW | ₹10.9747 | 30-10-2026 |
| regular | Growth | ₹45.6685 | 30-10-2026 |
| regular | Income Distribution Cum Capital Withdrawal IDCW | ₹10.9929 | 30-10-2026 |
Sundaram Banking and PSU Debt Fund is a mutual fund from Sundaram Mutual Fund. Its category is Banking & PSU. It was launched on 29-12-2004. Its benchmark is NIFTY Banking & PSU Debt Index A-II. At the end of September 2026 it held 26 securities.
Sandeep Agarwal
Fund manager of Sundaram Banking and PSU Debt Fund
Kumaresh Ramakrishnan
Fund manager of Sundaram Banking and PSU Debt Fund
Ronak Shah
Fund manager of Sundaram Banking and PSU Debt Fund
See all funds of Sundaram Mutual Fund
AUM moves with money invested or taken out, and with the value of what the fund holds.
Returns, risk, costs and the stocks they share, side by side
The Direct plan NAV is ₹46.4113. The Regular plan NAV is ₹45.6685, as on 30-10-2026.
The Direct plan charges 0.27% a year. The Regular plan charges 0.42% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
Sundaram Banking and PSU Debt Fund managed ₹257.79 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
At the end of September 2026 the largest holdings were HDFC Bank Ltd - 7.7% - 16/05/2028 (9.67%), National Housing Bank - 7.59% - 14/07/2027 (7.76%), Export Import Bank of India - 7.35% - 27/07/2028 (7.73%), Indian Oil Corporation Ltd - 7.44% - 25/11/2027 (5.82%), National Bank for Agriculture & Rural Development - 7.53% - 24/03/2028 (3.86%). The fund held 26 securities in all.
Through Sundaram Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least For first investment - Rs.5,000. You can invest once or through a monthly SIP.
Sandeep Agarwal, Kumaresh Ramakrishnan, Ronak Shah.
Nil
No. You can redeem your units on any business day. An exit load may still apply.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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