Sundaram Large Cap Fund

Large CapDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

Sundaram Large Cap Fund is a Large Cap fund run by Sundaram Mutual Fund. On 30-09-2026, it managed ₹2,866 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 8.0% a year and its Regular plan returned 6.6% a year. Its benchmark, Nifty 100 TRI, returned 9.1% a year over the same 3 years.

NAV (Direct plan): ₹21.82; ▼ 0.10%30-10-2026
NAV (Regular plan): ₹20.01; ▼ 0.10%30-10-2026
Expense ratio: 0.87%Direct2.08%Regular; 0.87%; A year
Riskometer: Very High; Set by the fund house
3 year return: 8.0%Direct6.6%Regular; 8.0%; A year

Sundaram Large Cap Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹21.82 (down 0.10% that day); Regular Plan Growth ₹20.01 (down 0.10% that day).

This fund (Direct plan)

₹21.8245

Sundaram Large Cap Fund Returns vs Nifty 100 TRI

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+0.74%	−4.59%	−0.32%	−6.10%	+7.98%	+7.37%	--
This fund (Regular)	+0.64%	−4.88%	−0.93%	−7.25%	+6.62%	+5.96%	--
Nifty 100 TRI	+1.04%	−5.31%	−2.96%	−8.69%	+9.08%	+7.22%	+11.72%
Large Cap average	+0.62%	−4.36%	−1.05%	−6.33%	+10.38%	+8.23%	--
Best in Large Cap	+2.29%	+1.11%	+6.60%	+2.96%	+14.19%	+11.98%	--
Worst in Large Cap	−2.13%	−6.44%	−5.00%	−10.55%	+7.81%	+5.19%	--
Rank in Large Cap	19/35	21/35	10/35	15/33	27/30	20/27	--

Category rows compare the Direct plans of 35 Large Cap funds. Rank 1 is the highest return.

Sundaram Large Cap Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular	Nifty 100 TRI
2026to date	−7.28%	−8.22%	−9.32%
2025	+6.58%	+5.24%	+10.24%
2024	+12.46%	+11.02%	+12.95%
2023	+22.76%	+21.15%	+21.24%
2022	+5.50%	+4.05%	+4.94%
2021	+30.02%	+27.48%	+26.45%

Sundaram Large Cap Fund Rolling Returns

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 750 periods, one for each trading day from 12-10-2023 to 30-10-2026.

0%5%10%15%20%25%

Jan 2021
to
Jan 2024Jul 2021
to
Jul 2024Jan 2022
to
Jan 2025Jul 2022
to
Jul 2025Feb 2023
to
Feb 2026Aug 2023
to
Aug 2026

Sundaram Large Cap Fund (Direct)Nifty 100 TRI

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	1,243	8.8%	−8.0%	59.3%	14%	9.0%	49%
2 years	996	13.6%	−5.0%	27.2%	5%	14.4%	55%
3 years	750	14.1%	6.1%	21.6%	0%	14.5%	46%
5 years	257	11.5%	6.5%	18.7%	0%	11.4%	57%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	61	9.7%	−14.1%	49.4%	16%	10.0%	48%
2 years	49	10.9%	−6.0%	29.0%	8%	10.7%	53%
3 years	37	13.8%	−0.2%	23.5%	3%	13.6%	30%

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. "Beat benchmark" counts the periods in which the fund did better than Nifty 100 TRI over the same days. Past returns do not promise future returns.

Sundaram Large Cap Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Sundaram Large Cap Fund (Direct)This fund	Nifty 100 TRI
Return (CAGR)	−6.10%	−8.69%
Standard deviation	13.11%	14.04%
Sharpe ratio	-0.86	-0.99
Sortino ratio	-1.17	-1.32
Maximum drawdown	−13.6% (31-03-2026)	−14.9% (30-03-2026)
Beta	0.92	1.00
Alpha	+1.47%	0.00%

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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	Sundaram Large Cap Fund (Direct)This fund	Nifty 100 TRI
Return (CAGR)	+7.98%	+9.08%
Standard deviation	12.72%	13.72%
Sharpe ratio	0.15	0.22
Sortino ratio	0.21	0.31
Maximum drawdown	−15.3% (07-04-2025)	−17.2% (28-02-2025)
Beta	0.91	1.00
Alpha	−0.84%	0.00%

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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	Sundaram Large Cap Fund (Direct)This fund	Nifty 100 TRI
Return (CAGR)	+7.37%	+7.22%
Standard deviation	13.19%	14.01%
Sharpe ratio	0.12	0.10
Sortino ratio	0.16	0.14
Maximum drawdown	−16.2% (17-06-2022)	−17.2% (28-02-2025)
Beta	0.93	1.00
Alpha	+0.25%	0.00%

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. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	Sundaram Large Cap Fund (Direct)This fund	Nifty 100 TRI
Return (CAGR)	+13.76%	+13.39%
Standard deviation	13.39%	14.17%
Sharpe ratio	0.63	0.57
Sortino ratio	0.88	0.79
Maximum drawdown	−16.2% (17-06-2022)	−17.2% (28-02-2025)
Beta	0.93	1.00
Alpha	+0.94%	0.00%

From daily NAVs, 12-10-2020 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

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.

−20%−15%−10%−5%0%

202120222023202420252026

Sundaram Large Cap Fund (Direct)Nifty 100 TRI

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Sundaram Large Cap Fund (Direct)	−16.2%	17-01-2022	17-06-2022	31-10-2022	4 months	−9.1%
Nifty 100 TRI	−17.2%	26-09-2024	28-02-2025	02-01-2026	10 months	−10.1%

From the Direct plan's daily NAV since 12-10-2020, adjusted for unit splits, and Nifty 100 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

Sundaram Large Cap Fund vs Other Large Cap Funds

The five Large Cap funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Taurus Large Cap Fund	1/30	62	2.51%	+2.96%	+14.19%	+5.31%	0.97	0.59	0.82	Compare
Invesco India Large cap Fund	2/30	1,925	0.91%	−2.38%	+14.04%	+4.93%	1.01	0.56	0.78	Compare
quant Large Cap Fund	3/30	3,669	1.47%	−0.87%	+13.55%	+4.38%	1.03	0.47	0.66	Compare
WhiteOak Capital Large Cap Fund	4/30	1,208	0.92%	−5.44%	+13.22%	+4.37%	0.96	0.54	0.75	Compare
Bandhan Large Cap Fund	5/30	2,180	1.08%	−5.34%	+13.03%	+4.16%	0.97	0.52	0.73	Compare
Sundaram Large Cap Fund	27/30	2,866	0.87%	−6.10%	+7.98%	−0.84%	0.91	0.15	0.21

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

Sundaram Large Cap Fund Expense Ratio and Costs

What each plan charges a year, in force from 23-10-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Large Cap median	Cost rank (1 = cheapest)
Direct	0.64%	0.04%	0.00%	0.19%	0.87%	1.08%	6/35
Regular	1.69%	0.04%	0.00%	0.35%	2.08%	2.21%	14/35

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. Cost rank: where this plan comes when the Large Cap funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	−7.25%	−6.10%	1.15%	₹92,750	₹93,900
3 years	6.62%	7.98%	1.36% a year	₹1,21,204	₹1,25,901
5 years	5.96%	7.37%	1.41% a year	₹1,33,570	₹1,42,697

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

Sundaram Large Cap Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 12-10-2020 to 30-10-2026: 73 instalments, ₹7,30,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planSundaram Large Cap Fund (Direct)	₹7,30,000	₹9,28,086	₹1,98,086	7.8%
Regular planSundaram Large Cap Fund (Regular)	₹7,30,000	₹8,86,647	₹1,56,647	6.3%
Nifty 100 TRI	₹7,30,000	₹9,23,279	₹1,93,279	7.6%
Category averageCategory average, 35 Large Cap funds	₹7,30,000	₹9,67,085	₹2,37,085	9.2%

₹0₹5.0 L₹10.0 L₹15.0 L

202120222023202420252026

Direct planSundaram Large Cap Fund (Direct)Regular planSundaram Large Cap Fund (Regular)Nifty 100 TRICategory averageCategory average, 35 Large Cap fundsAmount invested

From each plan's published NAV (Growth option), the benchmark's TRI and the category average, 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 Large Cap Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

99.4%Equity

Asset	Fund	Category
Equity	99.4%	96.0%
Cash and others	0.6%	2.9%

Market cap of stocks

Market cap	Fund	Category
Large Cap	80.6%	82.5%
Mid Cap	9.9%	8.7%
Small Cap	9.0%	3.3%

Share of the whole fund. Category: the average of the Large Cap funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

Sundaram Large Cap Fund Sector Allocation

Sector allocation of the fund's stocks as on 30-09-2026

Largest sectors

Banks30.9%
Automobiles8.1%
Auto Components7.3%
Retailing6.3%
Telecom - Services6.0%
It - Software5.8%
Insurance5.0%
Construction3.6%
Leisure Services3.5%
Pharmaceuticals & Biotechnology3.0%

The ten largest of 22 sectors. The other 12 add up to 20.0%.

Sector changes

Sector	July 2026	August 2026	September 2026	Change
Banks	29.6%	30.7%	30.9%	+1.2%
Automobiles	8.2%	8.2%	8.1%	−0.1%
Auto Components	5.8%	6.8%	7.3%	+1.5%
Retailing	7.8%	6.3%	6.3%	−1.5%
Telecom - Services	6.2%	5.8%	6.0%	−0.2%

Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

Sundaram Large Cap Fund Portfolio Holdings

As on 30-09-2026 · 40 holdings · from the fund house's monthly portfolio

Holdings	Sector	Weight%	1M change
ICICI Bank Ltd	Banks	7.73%	0.0%
Axis Bank Ltd	Banks	6.40%	0.0%
Bharti Airtel Ltd	Telecom - Services	5.99%	0.0%
State Bank of India	Banks	5.41%	0.0%
HDFC Bank Ltd	Banks	4.76%	0.0%
Kotak Mahindra Bank Ltd	Banks	4.57%	0.0%
TVS Motor Company Ltd	Automobiles	3.99%	0.0%
Craftsman Automation Ltd	Auto Components	3.96%	0.0%
Larsen & Toubro Ltd	Construction	3.64%	0.0%
Infosys Ltd	It - Software	3.56%	0.0%
Avenue Supermarts Ltd	Retailing	3.43%	0.0%
Sedemac Mechatronics Ltd	Auto Components	3.32%	0.0%
ICICI Lombard General Insurance Company Ltd	Insurance	3.03%	0.0%
Sun Pharmaceutical Industries Ltd	Pharmaceuticals & Biotechnology	2.98%	+16.6%
Mahindra & Mahindra Ltd	Automobiles	2.79%	0.0%
Interglobe Aviation Ltd	Transport Services	2.52%	0.0%
Reliance Industries Ltd	Petroleum Products	2.43%	0.0%
Cholamandalam Investment and Finance Company Ltd	Finance	2.37%	0.0%
Ultratech Cement Ltd	Cement & Cement Products	2.37%	0.0%
NTPC LTD	Power	2.22%	0.0%
Bank of Baroda	Banks	2.01%	0.0%
SBI Life Insurance Company Ltd	Insurance	1.97%	0.0%
Titan Company Ltd	Consumer Durables	1.93%	0.0%
The Indian Hotels Company Ltd	Leisure Services	1.84%	0.0%
Jubilant Foodworks Ltd	Leisure Services	1.68%	0.0%
PI Industries Ltd	Fertilizers & Agrochemicals	1.63%	0.0%
Swiggy Ltd	Retailing	1.39%	0.0%
HCL Technologies Ltd	It - Software	1.23%	0.0%
Varun Beverages Ltd	Beverages	1.12%	0.0%
TATA Consumer Products Ltd	Agricultural Food & Other Products	1.06%	0.0%
Info Edge (India) Ltd	Retailing	1.00%	0.0%
Tech Mahindra Ltd	It - Software	1.00%	−32.2%
Eicher Motors Ltd	Automobiles	0.81%	0.0%
Cummins India Ltd	Industrial Products	0.79%	+144.4%
Max Healthcare Institute Ltd	Healthcare Services	0.79%	+24.7%
Bharat Petroleum Corporation Ltd	Petroleum Products	0.54%	0.0%
Maruti Suzuki India Ltd	Automobiles	0.49%	0.0%
Trent Ltd	Retailing	0.48%	0.0%
JSW Infrastructure Ltd	Transport Infrastructure	0.19%	0.0%
LG Electronics India Ltd	Consumer Durables	0.01%	0.0%

Sundaram Large Cap Fund Stocks Bought and Sold

All changes are between August 2026 and September 2026

Stocks bought and sold in September 2026

Sun Pharmaceutical Industries Ltd	Added	+16.6%	2.98%
Tech Mahindra Ltd	Reduced	−32.2%	1.00%
Cummins India Ltd	Added	+144.4%	0.79%
Max Healthcare Institute Ltd	Added	+24.7%	0.79%

A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.

What Sundaram Large Cap Fund bought and sold

Sundaram Large Cap Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Sundaram Focused FundFocused · Sundaram	60.6%	21	Compare
Canara Robeco Large Cap FundLarge Cap · Canara Robeco	57.8%	28	Compare
SBI BSE Sensex Index FundIndex · SBI	55.2%	19	Compare
Zerodha BSE SENSEX Index FundIndex · Zerodha	55.2%	19	Compare
Mirae Asset BSE Sensex ETFETF · Mirae Asset	55.2%	19	Compare
ICICI Prudential BSE Sensex ETFETF · ICICI Prudential	55.2%	19	Compare
Tata BSE Sensex Index FundIndex · Tata	55.2%	19	Compare
LIC MF BSE Sensex ETFETF · LIC	55.2%	19	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.

Sundaram Large Cap Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.87%
Expense ratio (Regular): 2.08%
Category: Large Cap
Risk: Very High
Benchmark: Nifty 100 TRI
Launch date: 01-08-2002
AUM: ₹2,865.93 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 148507
ISIN (Direct): INF903JA1JC0
Scheme code (Regular): 148504
ISIN (Regular): INF903JA1IZ3
NAV history: From 12-10-2020, 6.0 years

Minimum investment: For both Regular and Direct Plan Rs. 100/–
Minimum additional investment: For both Regular and Direct Plan Rs. 100/–
Exit load: 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.Further, exit load will be waived on Intra-scheme and Inter scheme Switch outs/STP. Generally, the exit load will be calculated on First in First out (FIFO) basis.

Tax on Sundaram Large Cap Fund returns

Sundaram Large Cap Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹21.8245	30-10-2026
direct	Income Distribution Cum Capital Withdrawal IDCW	₹15.8459	30-10-2026
direct	Income Distribution Cum Capital Withdrawal IDCW	₹15.8459	30-10-2026
regular	Growth	₹20.0068	30-10-2026
regular	Income Distribution Cum Capital Withdrawal IDCW	₹14.5031	30-10-2026
regular	Income Distribution Cum Capital Withdrawal IDCW	₹14.5031	30-10-2026

About Sundaram Large Cap Fund

Sundaram Large Cap Fund is a mutual fund from Sundaram Mutual Fund. Its category is Large Cap. It was launched on 01-08-2002. Its benchmark is Nifty 100 TRI. At the end of September 2026 it held 40 securities.

Fund Manager

Ashwin Jain
Fund manager of Sundaram Large Cap Fund
Shalav Saket
Fund manager of Sundaram Large Cap Fund

See all funds of Sundaram Mutual Fund

AUM change

September 2026: ₹2,865.93 Cr; −6.22% from August 2026
August 2026: ₹3,055.94 Cr; −1.39% from July 2026
July 2026: ₹3,099.07 Cr; +1.18% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare Sundaram Large Cap Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Sundaram Large Cap vs Taurus Large CapLarge Cap
Sundaram Large Cap vs Invesco India Large capLarge Cap
Sundaram Large Cap vs quant Large CapLarge Cap
Sundaram Large Cap vs WhiteOak Capital Large CapLarge Cap
Sundaram Large Cap vs Bandhan Large CapLarge Cap
Sundaram Large Cap vs Sundaram Focused60.6% overlap
Sundaram Large Cap vs Canara Robeco Large Cap57.8% overlap
Sundaram Large Cap vs SBI BSE Sensex Index55.2% overlap

Compare with any other fund

Frequently Asked Questions for Sundaram Large Cap Fund

What is the current NAV of Sundaram Large Cap Fund?

The Direct plan NAV is ₹21.8245. The Regular plan NAV is ₹20.0068, as on 30-10-2026.

What are the returns of Sundaram Large Cap Fund?

The Direct plan returned −6.10% in 1 year, +7.98% a year over 3 years, +7.37% a year over 5 years. The Regular plan returned −7.25% in 1 year, +6.62% a year over 3 years, +5.96% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of Sundaram Large Cap Fund?

The Direct plan charges 0.87% a year. The Regular plan charges 2.08% a year. This is the figure the fund house reported to AMFI, in force from 23-10-2026.

What is the AUM of Sundaram Large Cap Fund?

Sundaram Large Cap Fund managed ₹2,865.93 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Sundaram Large Cap Fund?

At the end of September 2026 the largest holdings were ICICIBANK (7.73%), AXISBANK (6.40%), BHARTIARTL (5.99%), SBIN (5.41%), HDFCBANK (4.76%). The fund held 40 securities in all.

What did Sundaram Large Cap Fund buy and sell in September 2026?

It added shares in 3. It reduced 1.

How do I invest in Sundaram Large Cap Fund?

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 both Regular and Direct Plan Rs. 100/–. You can invest once or through a monthly SIP.

Who is the fund manager of Sundaram Large Cap Fund?

Ashwin Jain, Shalav Saket.

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.