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2 star

Sundaram Rural and Consumption Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.44 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.82 Lakh

Suitability:

This is a fund that invests mainly in the shares of consumer-facing companies.

We believe that investors should avoid funds that have a narrowly defined investment mandate such as this one. Instead, they should invest in flexi-cap funds which provide complete freedom to the fund management team to invest in companies from which it expects maximum gains.

But if you do invest, you must do so only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other consumption-themed fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 18.25 -0.71 -3.89 -4.21 2.22 10.66 25.33 13.05 12.64 13.19 --
S&P BSE 500 TRI 28.64 -0.32 -2.18 -2.87 3.33 12.39 38.30 18.80 17.44 12.75 --
Equity: Thematic-Consumption 30.60 -0.82 -2.97 -1.86 5.97 16.03 42.06 20.35 18.19 14.35 --
Rank within category 11 5 11 11 11 11 11 10 8 5 --
Number of funds in category 11 11 11 11 11 11 11 10 8 7 0

As on 29-Nov-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Sundaram Rural and Consumption Fund - Direct Plan
2 star
Jan-13 25.33 13.05 12.64 1.25% 1,289
BNP Paribas India Consumption Fund - Direct Plan
5 star
Sep-18 36.98 23.55 -- 0.80% 886
Canara Robeco Consumer Trends Fund - Direct Plan  | Invest Online
4 star
Jan-13 37.95 21.97 21.08 1.17% 745
Aditya Birla Sun Life India GenNext Fund - Direct Plan  | Invest Online
3 star
Jan-13 39.70 21.29 19.54 2.22% 2,545
Mirae Asset Great Consumer Fund - Direct Plan  | Invest Online
3 star
Jan-13 41.37 19.57 20.77 0.55% 1,572

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 8.91 01-Apr-2020 - 09-Apr-2020 -19.62 16-Mar-2020 - 23-Mar-2020
Month 18.32 23-Mar-2020 - 22-Apr-2020 -35.71 20-Feb-2020 - 23-Mar-2020
Quarter 28.81 24-Mar-2020 - 23-Jun-2020 -30.90 23-Dec-2019 - 23-Mar-2020
Year 72.48 23-Mar-2020 - 23-Mar-2021 -28.85 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 17.67 21.21 0.65 0.64 0.83 0.42
S&P BSE 500 TRI 22.08 21.79 0.84 0.93 -- --
Equity: Thematic-Consumption 23.03 19.76 0.98 1.06 0.75 7.09
Rank within category 10 8 10 10 9 10
Number of funds in category 10 10 10 10 10 10

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Oct-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 38
Top 10 Stocks (%) 50.78
Top 5 Stocks (%) 28.19
Top 3 Sectors (%) 63.71
Portfolio P/B Ratio 6.28
Portfolio P/E Ratio 42.49

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 80,678 96,770
Giant (%) 37.01 41.68
Large (%) 17.11 23.17
Mid (%) 38.32 24.84
Small (%) 7.56 13.81
Tiny (%) -- 1.40

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Hindustan Unilever FMCG 65.14 9.18 4.16 6.13
down Varun Beverages FMCG 57.99 6.55 1.59 6.06
down ICICI Bank Financial 23.49 5.62 0.00 5.60
down Asian Paints Chemicals 92.64 6.36 2.35 5.20
up ITC FMCG 19.12 5.65 1.74 5.20
down HDFC Bank Financial 24.31 5.45 0.00 4.85
down Tata Consumer Products FMCG 97.18 8.69 1.99 4.71
equal Mahindra & Mahindra Automobile 25.59 5.63 2.19 4.46
down Crompton Greaves Consumer Electricals Consumer Durable 42.35 5.60 1.03 4.43
down The Ramco Cements Construction 19.87 5.03 1.73 4.14
down Voltas Consumer Durable 66.00 4.35 0.00 4.11
up Page Industries Textiles 96.21 3.61 0.00 3.61
equal TTK Prestige Consumer Durable 44.54 3.40 1.88 3.40
up Maruti Suzuki India Automobile 51.41 2.79 1.19 2.79
down SBI Life Insurance Company Insurance 92.10 3.82 1.32 2.67
up Titan Company Consumer Durable 118.05 2.59 0.00 2.59
equal Bajaj Finance Financial 83.70 2.59 0.00 2.53
down Coromandel International Chemicals 16.06 3.29 0.84 2.44
down United Spirits FMCG 76.73 2.39 0.00 2.39
equal Aditya Birla Fashion and Retail Services -- 2.26 1.26 2.04
down P&G Hygiene & Health Care FMCG 79.55 3.23 1.65 1.88
down Heritage Foods FMCG 17.10 2.22 1.17 1.73
equal Whirlpool Consumer Durable 40.40 2.32 0.59 1.72
equal Kalyan Jewellers India Consumer Durable -- 1.60 0.00 1.60
equal Nestle India FMCG 81.75 3.08 1.43 1.47

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2021

Fund Manager

— Rohit Seksaria since 23-Jul-2020

Education: Mr. Seksaria is CS, CA & has done MBA from IIM Ahmedabad

Experience: Prior to joining Sundaram Mutual Fund he has worked with Progress Capital/Asia Capital & Advisor Pte Ltd., Matchpoint Investment Management and Progress Capital Pte Ltd.

Funds Managed:


-0.71%

Change from previous, NAV as on 29-Nov-2021

Growth: ₹ 59.8139

IDCW: ₹ 23.0380


Investment Strategy

The Scheme seeks to generate returns by investing predominantly in equity / equity-related instruments of companies engaged in rural and/or consumption business.

Investment Details

Minimum Investment (₹) 100
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 100
Minimum No of Cheques 6
Minimum Withdrawal (₹) 100
Minimum Balance (₹) 1
Lock-in Period Not Applicable
Exit Load For units in excess of 25% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Sundaram Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 14.82%
Benchmark: NIFTY India Consumption TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,289 Cr (As on 31-Oct-2021)
Expense: 1.25% (As on 31-Oct-2021)
Risk Grade: Above Average
Return Grade: Low
Turnover: 17.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW28-Apr-20211.4630

 17-Mar-20200.2612
 12-Dec-20190.2745
 27-Aug-20190.2568
 21-May-20190.4427
 12-Feb-20190.4427
 13-Nov-20180.4427
 09-Aug-20180.4427
 28-May-20180.4427
 26-Mar-20181.5000
 08-Mar-20180.5000
 09-Nov-20170.5000
 09-Aug-20170.5000
 04-May-20170.5000
 15-Feb-20170.5000
 24-Nov-20162.0000
 05-Aug-20160.5000
 02-May-20141.0000

Contact Information

AMC: Sundaram Asset Management Company Ltd

Address: Sundaram Towers, 2nd Floor, 46, Whites Road, Royapettah Chennai - 600014

Phone: 1860-425-7237

Email: [email protected]

Website: http://www.sundarammutual.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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