MonitorDirect · GrowthWatch before adding
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)
Sundaram Mutual FundHybrid Scheme - Equity Savings4.8 years
The scheme aims to provide capital appreciation and income distribution by using equity and equity related instruments, arbitrage opportunities and investments in debt and money market instruments.
- NAV
- 82.4246
- 29 Oct 2026
- 1Y
- -1.9%
- Trailing CAGR
- AUM
- ₹943.07 Cr
- 30 Sept 2026
- Volatility
- Low
- 5.8% annualized
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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Bajaj Finserv Equity Savings 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
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.34% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -6.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Kumaresh Ramakrishnan · 0.4 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
Watch
Top 10 holdings ≈ 92.1% 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 6%. 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
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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-1.9%
- 3Y+8.8%
- 5Yn/a
- 10Yn/a
- SI+8.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.4%
- 3Y+4.0%
- 5Yn/a
- 10Yn/a
- Since inception
- +8.7%
- Calendar-day CAGR
- Excess 1Y
- -4.1%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 69
- Vs comparable share classes
- SIP 3Y XIRR
- +4.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +8.1%
- 449 daily-ending windows
- Median rolling 3Y
- +12.5%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -6.2%
- Worst peak-to-trough
- Current
- -3.1%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +81%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 94 recovered episodes
- Longest recovery
- 126 days
- Trough to prior peak
2 Jan 2026 – 3 Aug 2026
Trough 30 Mar 2026 · recovered in 126 days
-6.2%
17 Jan 2022 – 11 Aug 2022
Trough 20 Jun 2022 · recovered in 52 days
-6.0%
25 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-4.2%
14 Dec 2022 – 4 May 2023
Trough 28 Mar 2023 · recovered in 37 days
-4.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
69
Vs category
25
Consistency
89
Risk-adjusted
49
Drawdown
85
Mean
63
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 72 holdings · top 10 are 92.1%.
- Top 5
- 75.3%
- Top 10
- 92.1%
- Largest holding
- 45.6%
- Effective holdings
- 4.1
Cash Margin
Unspecified
45.6%
Bharti Airtel Ltd
Technology
9.3%
ICICI Bank Ltd
Financial
7.5%
Reliance Industries Ltd
Energy & Utilities
7.4%
HDFC Bank Ltd
Financial
5.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
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
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bajaj Finserv Equity Savings Fund
Bajaj Finserv Mutual Fund
- 1Y
- +3.6%
- 3Y
- n/a
- Vol
- 2.4%
- Max DD
- -1.6%
- Sharpe
- -0.86
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Edelweiss Equity Savings Fund
Edelweiss Mutual Fund
- 1Y
- +5.3%
- 3Y
- +11.0%
- Vol
- 4.8%
- Max DD
- -9.5%
- Sharpe
- 0.89
- 3Y win
- +94%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Kotak Equity Savings Fund
Kotak Mahindra Mutual Fund
- 1Y
- +0.6%
- 3Y
- +9.5%
- Vol
- 5.7%
- Max DD
- -16.5%
- Sharpe
- 0.63
- 3Y win
- +91%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Nippon India Equity Savings Fund (Existing number of Segregated Portfolios - 2)
Nippon India Mutual Fund
- 1Y
- +126.1%
- 3Y
- +31.2%
- Vol
- n/a
- Max DD
- 0.0%
- Sharpe
- n/a
- 3Y win
- +0%
- Shallower drawdown
- Lower TER
- Higher trailing returns
Tata Equity Savings Fund
Tata Mutual Fund
- 1Y
- +7.5%
- 3Y
- +10.6%
- Vol
- 4.9%
- Max DD
- -13.9%
- Sharpe
- 0.54
- 3Y win
- +14%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown