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  • Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M)

Formerly Sundaram Banking & PSU Debt Reg Mn DR

Sundaram Mutual Fund

Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M)

DebtBanking And Psu

11.5608

NAV (Oct 25)

5.3%
3 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in banking and psu mutual funds.

However, Scripbox does not recommend investing in banking and psu mutual funds.

Banking and PSU Funds are mandated to invest a minimum of 80% of total assets in debt instruments issued by Banks, Public Sector Undertakings and Public Financial Institutions.

They tend to invest in medium to long duration securities and hence are exposed to higher variations when interest rates change.

The category accounts for close to 8% of the total assets in the Debt Segment.

We assess the credit quality of funds in this category as relatively poor.We do not recommend funds in this category since we believe that the potential incremental return is not justified by the higher credit risk and higher interest rate risk.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

17 Years. The fund has an Extended history for analysis and the track record is excellent.

Relative Size

1,108 Cr. Medium within the category

Impact of Interest Rate Changes

Low Interest Rate Risk. The impact on fund value is quite low when interest rates change

Credit Quality Of Fund's Portfolio

Moderate Credit Risk. The fund has a moderate credit quality compared to other debt funds

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Short Term Money

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

11.5608

NAV (Oct 25)

Fund Returns

Last 1Y
3.1%
Last 3Y
5.3%
Last 5Y
4.7%
Last 10Y
5.6%
Since Inception
5.7%
6 Month CAGR
1.4%
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Scheme Information

Investment Objective

To generate income and capital appreciation by predominantly investing in debt instruments of Banks,Public Sector Undertakings,Public Financial Institutions and Municipal Bonds

Low

Low to Moderate

Moderate

Moderately High

High

Very High

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Moderate Risk

Expense Ratio
0.4
Launched (17y ago)
Dec 30, 2004
AUM in Crores
1107.229
ISIN
INF903J01IR4
Lock-in
No Lock-in
Benchmark
CRISIL Banking and PSU Debt TR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Dwijendra Srivastava

Fund Manager

user-avatar

Siddharth Chaudhary

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

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 before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
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comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 13,509 cr

5

recommended-badge

₹ 33,192 cr

5

recommended-badge

₹ 11,590 cr

5

recommended-badge

₹ 22,849 cr

5

recommended-badge

₹ 33,722 cr

5

amc-icon

About the AMC

Sundaram Asset Management Company Ltd

Sundaram Asset Management Company Ltd manages assets worth 35,925 crores and was set up on 26 February 1996. It's current offering of mutual fund schemes includes 145 equity,182 debt and 36 hybrid funds.

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  • tel-amc-about
    044-28583362
  • mail-amc-about
    customerservices@sundarammutual.com
  • Fund NameScripbox Opinion
    Till Date CAGR
    top-ranked-badge

    22.5%

    12.4%

    top-ranked-badge

    5.4%

    7.5%

    top-ranked-badge

    4.7%

    5.5%

    top-ranked-badge

    4.7%

    5.5%

    top-ranked-badge

    9.4%

    7.2%

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    TRUST

    1. 4100+Crores
    2. 2500+Cities
    3. 7200+Customers
    We manage to deliver better strategies to people who trust us.

    We thrive on trust. You don’t need to just take our word for it! Get started with your wealth creation without worry.

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    Investing has helped me dream bigger for my life
    Dr. Shraddha BahirwaniSr. Dental Consultant

    About Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M)

    About Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M)

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) is a Banking And Psu Debt fund and has delivered an annualised return of 5.7% over a period of 16 years. The fund was previously known as Sundaram Banking & PSU Debt Reg Mn DR . The fund is managed by Sundaram Asset Management Company Ltd. The fund managers are Dwijendra Srivastava, Siddharth Chaudhary

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) Investment Objective

    To generate income and capital appreciation by predominantly investing in debt instruments of Banks,Public Sector Undertakings,Public Financial Institutions and Municipal Bonds . However, there is no assurance that the objective of the scheme will be realized.

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) NAV,AUM,Risk

    The Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) fund was launched on Dec 30, 2004. The NAV (Net Asset Value) of this Banking And Psu Debt fund as of 2021-10-25 is ₹11.56. The total AUM (Asset Under Management) of the fund as of 26/10/2021 is ₹1107.229. The category risk of the Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) fund is Moderate Risk. The fund charges 0.4 % as expense ratio.

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) Holdings

    The fund’s highest allocation is towards Debt and has invested 69.4% in this asset class. The top three holdings of the fund are , reverse repo , treps , housing and urban development corporation limited (hudco) , national bank for agriculture and rural development , rural electrification corporation limited , export-import bank of india , indian oil corporation limited , 5.63% govt stock 2026 , power finance corp ltd. 6.09% , bajaj finance limited , jamnagar utilities & power private limited , national highways authority of india , housing development finance corporation limited , rural electrification corporation limited , bajaj finance limited , small industries development bank of india , power finance corporation ltd. , national bank for agriculture and rural development , power grid corporation of india limited , indian oil corporation limited , 5.22% goi 2025 , oil & natural gas corporation limited , hdfc bank limited , export-import bank of india , power finance corporation limited , hindustan petroleum corporation limited , power grid corporation of india limited , cash and other net current assets^ , power grid corporation of india limited , national highways authority of india

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to CRISIL Banking and PSU Debt TR INR.

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) Review

    Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) has a score of 3 on a scale of 5. The fund has a score of 5 out of 5 based on historical performance. As compared to the other funds in its category, Sundaram Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-M) has a score of 3out of 5 The credit risk of the fund is 3 out of 5 as compared to other debt funds.

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