ReviewDirect · GrowthPrefer peers first
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund)
Sundaram Mutual FundEquity Scheme - Dividend Yield Fund4.8 years
The scheme aims to provide capital appreciation by investing predominantly in a well-diversified portfolio of companies that have a relatively high dividend yield.
- NAV
- 138.3279
- 29 Oct 2026
- 1Y
- -9.7%
- Trailing CAGR
- Upside capture
- +88%
- Vs NIFTY 500 TRI
- Downside capture
- +82%
- Lower is better
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
Prefer peers if · Prefer Baroda BNP Paribas Dividend Yield Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
4.8 years - usable, still building a track record.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
1.27% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -18.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Siddarth Mohta · 0.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 36.5% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 19%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-9.7%
- 3Y+9.3%
- 5Yn/a
- 10Yn/a
- SI+9.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-10.1%
- 3Y-1.3%
- 5Yn/a
- 10Yn/a
- Since inception
- +9.0%
- Calendar-day CAGR
- Excess 1Y
- -4.6%
- Category median, same plan and option
- 3Y win rate
- +0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- -1.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.8%
- 449 daily-ending windows
- Median rolling 3Y
- +16.8%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- -2.1%
- Fund minus TRI
- 3Y excess
- -1.1%
- Fund minus TRI
- Upside capture
- +88%
- Benchmark-up months
- Downside capture
- +82%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -18.9%
- Worst peak-to-trough
- Current
- -13.4%
- Below last peak
- Current spell
- 762 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 40 recovered episodes
- Longest recovery
- 164 days
- Trough to prior peak
27 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-18.9%
17 Jan 2022 – 1 Dec 2022
Trough 20 Jun 2022 · recovered in 164 days
-16.2%
3 Jun 2024 – 13 Jun 2024
Trough 4 Jun 2024 · recovered in 9 days
-7.9%
1 Dec 2022 – 15 May 2023
Trough 28 Mar 2023 · recovered in 48 days
-6.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
21
Consistency
3
Risk-adjusted
39
Drawdown
53
Mean
23
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 57 holdings · top 10 are 36.5%.
- Top 5
- 21.0%
- Top 10
- 36.5%
- Largest holding
- 4.8%
- Effective holdings
- 41.9
ICICI Bank Ltd
Financial
4.8%
HDFC Bank Ltd
Financial
4.6%
Embassy Office Parks REIT
Real Estate
3.9%
State Bank of India
Financial
3.9%
NTPC Ltd
Energy & Utilities
3.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
18 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas Dividend Yield Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -4.9%
- 3Y
- n/a
- Vol
- 12.5%
- Max DD
- -18.1%
- Sharpe
- -0.65
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
SBI Dividend Yield Fund
SBI Mutual Fund
- 1Y
- -2.9%
- 3Y
- +10.6%
- Vol
- 11.9%
- Max DD
- -17.8%
- Sharpe
- 0.58
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
HDFC DIVIDEND YIELD FUND
HDFC Mutual Fund
- 1Y
- -7.0%
- 3Y
- +10.9%
- Vol
- 13.9%
- Max DD
- -20.0%
- Sharpe
- 0.83
- 3Y win
- +84%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
LIC MF Dividend Yield Fund
LIC Mutual Fund
- 1Y
- -1.8%
- 3Y
- +17.9%
- Vol
- 15.7%
- Max DD
- -20.4%
- Sharpe
- 0.69
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Tata Dividend Yield Fund
Tata Mutual Fund
- 1Y
- +0.3%
- 3Y
- +13.3%
- Vol
- 15.2%
- Max DD
- -20.4%
- Sharpe
- 0.56
- 3Y win
- +48%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown