ReviewDirect · GrowthPrefer peers first
Sundaram Multi Cap Fund (Formerly Known as Principal Multi Cap Growth Fund)
- NAV
- 81.482
- 30 Oct 2026
- 1Y
- -7.3%
- Trailing CAGR
- AUM
- ₹2,980.72 Cr
- 31 Aug 2026
- Volatility
- Medium
- 15.0% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
Watch if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Aditya Birla Sun Life Multi-Cap 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
1.25% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -26.5%. 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
n/a
Manager not listed.
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 ≈ 25.1% 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 26%. 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-7.3%
- 3Y+5.1%
- 5Yn/a
- 10Yn/a
- SI+3.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-5.3%
- 3Y-3.1%
- 5Yn/a
- 10Yn/a
- Since inception
- +3.3%
- Calendar-day CAGR
- Excess 1Y
- -7.8%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- -3.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.1%
- 450 daily-ending windows
- Median rolling 3Y
- +8.6%
- 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
- -26.5%
- Worst peak-to-trough
- Current
- -19.4%
- Below last peak
- Current spell
- 766 days
- Days below latest peak
- Time below peak
- +92%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 24 days
- 25 recovered episodes
- Longest recovery
- 428 days
- Trough to prior peak
24 Sept 2024 – open
Trough 31 Mar 2026 · not recovered
-26.5%
17 Jan 2022 – 22 Aug 2023
Trough 20 Jun 2022 · recovered in 428 days
-19.5%
11 Sept 2023 – 1 Dec 2023
Trough 26 Oct 2023 · recovered in 36 days
-9.4%
3 Jun 2024 – 11 Jun 2024
Trough 4 Jun 2024 · recovered in 7 days
-6.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
1
Consistency
0
Risk-adjusted
20
Drawdown
34
Mean
11
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
- 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.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 86 holdings · top 10 are 25.1%.
- Top 5
- 14.0%
- Top 10
- 25.1%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Equity
98.4%
Cash
1.6%
Sectors
Financial
25.9%
Industrials
25.0%
Consumer Discretionary
14.5%
Technology
11.1%
Healthcare
8.1%
What changed
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.
8 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Multi-Cap Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.6%
- 3Y
- +13.9%
- Vol
- 14.0%
- Max DD
- -20.0%
- Sharpe
- 0.66
- 3Y win
- +16%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
BANDHAN MULTI CAP FUND
Bandhan Mutual Fund
- 1Y
- -4.1%
- 3Y
- +12.1%
- Vol
- 13.3%
- Max DD
- -18.3%
- Sharpe
- 0.51
- 3Y win
- +57%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HDFC Multi Cap Fund
HDFC Mutual Fund
- 1Y
- -9.6%
- 3Y
- +10.3%
- Vol
- 14.5%
- Max DD
- -20.2%
- Sharpe
- 0.55
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
LIC MF Multi Cap Fund
LIC Mutual Fund
- 1Y
- +1.0%
- 3Y
- +16.9%
- Vol
- 14.2%
- Max DD
- -19.3%
- Sharpe
- 0.78
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
SBI MultiCap Fund
SBI Mutual Fund
- 1Y
- -6.0%
- 3Y
- +11.8%
- Vol
- 12.2%
- Max DD
- -15.1%
- Sharpe
- 0.48
- 3Y win
- +5%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns