Sundaram Banking & PSU Fund

Q: What are the returns of this mutual fund scheme?

The Sundaram Banking & PSU Fund is a 20 yrs 10 m old fund and has delivered average annual returns of 7.37% since inception. Sundaram Banking & PSU Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.04% 7.69% 5.65% 6.66% 7.37%

Q: How much does this mutual fund charge as expense ratio?

The Sundaram Banking & PSU Fund has an expense ratio of 0.41% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Previously called: Sundaram Banking & PSU Debt Reg-G

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹44.004+0.05% 1 day change	7.37% p.a.	App exclusive #NA View Ranked Funds	₹400 Cr

Historical NAV & returns

NAV: ₹44.004 as on Oct 20, 2025

This fund Category average

Sundaram Banking & PSU Fund overview

AUM (Fund size)	₹400 Cr
Exit load	0%
Lock-in Period	Nil
Age	20 yrs 10 m since Dec 20, 2004
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	This scheme is currently not buyable
Expense ratio	0.41% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Sundaram Banking & PSU Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	0.76%	0.76%
3 Months	1.34%	1.22%
6 Months	3.07%	2.95%
1 Year	8.04%	7.81%
2 Years	8.17%	7.96%
3 Years	7.69%	7.51%
4 Years	6.29%	6.26%
5 Years	5.65%	5.8%
7 Years	6.8%	7.16%
10 Years	6.66%	7.09%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 73.015815%

SOV 18.865758%

Cash & Call Money 4.134625%

A1+ 3.65164%

Top Debt Holdings

GOI 15.05%

REC Ltd. 9.88%

Indian Oil Corporation Ltd. 7.62%

HDFC Bank Ltd. 6.36%

Allocation by Instruments

Debenture 40.145889%

Bonds 17.663374%

GOI Securities 15.051091%

Non Convertible Debenture 12.707789%

Other Holdings

Others 0.33%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Sundaram Banking & PSU Fund	0.76%	3.07%	8.04%	7.69%	5.65%	6.66%
ICICI Prudential Banking & PSU Debt Fund	0.77%	3.03%	7.98%	7.64%	6.29%	7.4%
Axis Banking & PSU Debt Fund	0.72%	3.09%	7.99%	7.39%	5.79%	7.22%
Bandhan Banking and PSU Fund	0.58%	2.89%	7.59%	7.3%	5.75%	7.17%
Aditya Birla Sun Life Banking & PSU Debt Fund	0.86%	2.92%	7.88%	7.59%	5.96%	7.46%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Sundaram Banking & PSU Fund	1.08	2.64	0.92	1.69
ICICI Prudential Banking & PSU Debt Fund	0.87	1.84	1.11	1.68
Axis Banking & PSU Debt Fund	0.99	2.42	0.72	1.26
Bandhan Banking and PSU Fund	0.92	2.39	0.72	1.22
Aditya Birla Sun Life Banking & PSU Debt Fund	1.13	2.58	0.78	1.17

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Sundaram Banking & PSU Fund	N.A.	400 Cr	20 yrs 10 m	0.41%
ICICI Prudential Banking & PSU Debt Fund	N.A.	9,744 Cr	15 yrs 9 m	0.73%
Axis Banking & PSU Debt Fund	N.A.	13,056 Cr	13 yrs 4 m	0.63%
Bandhan Banking and PSU Fund	N.A.	13,082 Cr	12 yrs 8 m	0.66%
Aditya Birla Sun Life Banking & PSU Debt Fund	N.A.	9,057 Cr	17 yrs 6 m	0.73%

View all Banking And Psu funds

Key risk & return ratios Compared to other funds in the category

Alpha	5.74 vs. 3.98 Higher outperformance against benchmark
Sharpe	0.92 vs. 4.44 Poor risk-adjusted returns
Beta	2.64 vs. 1.83 More sensitive to market's ups & downs
Standard deviation	1.08 vs. 1.06 More volatile performance

Compare Sundaram Banking & PSU Fund in detail with

About this fund

About Sundaram Banking & PSU Fund

Sundaram Banking & PSU Fund is a Banking and PSU mutual fund scheme from Sundaram Mutual Fund. This fund has been in existence for 20 yrs 10 m, having been launched on 20/12/2004. Sundaram Banking & PSU Fund has ₹400 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Sundaram Banking & PSU Fund as of 20/10/2025 is ₹44.00. The fund has an expense ratio of 0.41%, which is close to what most other Banking And Psu funds charge.

Sundaram Banking & PSU Fund returns of last 1-year are 8.09%. Since launch, it has delivered 7.38% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Sundaram Banking & PSU Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, REC Ltd., Indian Oil Corporation Ltd., HDFC Bank Ltd., National Housing Bank.

...

Fund AUM	400 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Sandeep Agarwal

Mr. Agarwal is a B.Com (H) from University of Kota, Chartered Accountant and CS. Prior to joining Sundaram Mutual Fund he has worked with Deutsche AMC.

Dwijendra Srivastava

Mr. Srivastava is B.Tech , PGDM (Finance) and CFA. Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, JM Financial AMC, Tata AMC Private Ltd., Tower Capital and Securities, Indo Swiss Financial and Gontermann Pipers.

Investment objective

The scheme seeks to generate income and capital appreciation by predominantly investing in debt instruments of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds.

Sundaram Mutual Fund details

No. of schemes	31 view all schemes
Total AUM	74,005 Cr as on Sep 30, 2025
Address	Sundaram Towers No. 46,,1st& 2nd Floor, Whites Road, Royapettah Chennai, 600014
Phone	1860-425-7237

Frequently asked questions

What is the current NAV of Sundaram Banking & PSU Fund?

The current Net Asset Value (NAV) of the Sundaram Banking & PSU Fund plan is approximately ₹44.004 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Sundaram Banking & PSU Fund is a 20 yrs 10 m old fund and has delivered average annual returns of 7.37% since inception.

Sundaram Banking & PSU Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.04%	7.69%	5.65%	6.66%	7.37%

How much does this mutual fund charge as expense ratio?

The Sundaram Banking & PSU Fund has an expense ratio of 0.41%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Sundaram Banking & PSU Fund currently has assets under management (AUM) or fund size valued at approximately 400 Cr as on Sep 30, 2025.

To whom does Sundaram Banking & PSU Fund lend to?

The top 3 debt holdings of Sundaram Banking & PSU Fund are as follows

Holding Name	Percentage of Portfolio
GOI	15.05%
REC Ltd.	9.88%
Indian Oil Corporation Ltd.	7.62%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Sundaram Banking & PSU Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	73.015815%
SOV	18.865758%
Cash & Call Money	4.134625%

What is risk level of Sundaram Banking & PSU Fund?

This is a Banking And Psu fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Sundaram Banking & PSU Fund?

Redeeming your investments in the Sundaram Banking & PSU Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Banking and PSU

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Chance: This fund has generated a 7.4% annual return in 70% of times for investors holding for at least 5 years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.