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Sundaram Rural and Consumption Fund - Regular Plan

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Equity: Thematic-Consumption

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1 Lakh

Investment Grown to
₹ 1.23 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.44 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 multi-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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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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 4.78 -0.30 0.91 1.25 8.55 24.07 20.25 7.01 15.05 16.56 13.43
S&P BSE 500 TRI 9.44 0.20 1.61 1.19 13.75 35.49 40.86 13.34 16.66 15.45 12.47
Equity: Thematic-Consumption 6.02 -0.26 1.23 -0.31 10.47 26.85 29.29 10.66 15.66 15.88 14.88
Rank within category 8 7 10 2 8 8 10 9 5 4 5
Number of funds in category 12 12 12 12 12 12 12 9 9 7 6

As on 08-Mar-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 - Regular Plan
Unrated
 May-06 20.25 7.01 15.05 2.24 1,375
Aditya Birla Sun Life India GenNext Fund  | Invest Online
Unrated
 Aug-05 27.98 13.63 17.60 2.21 1,902
Tata India Consumer Fund - Regular Plan  | Invest Online
Unrated
 Dec-15 24.61 9.01 18.36 2.29 1,143
Mirae Asset Great Consumer Fund - Regular Plan  | Invest Online
Unrated
 Mar-11 25.29 11.98 17.75 2.16 1,101
SBI Consumption Opportunities Fund  | Invest Online
Unrated
 Jul-99 26.87 7.48 14.54 2.62 681

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 20.16 13-May-2009 - 20-May-2009 -23.02 15-Jan-2008 - 22-Jan-2008
Month 32.88 28-Apr-2009 - 28-May-2009 -35.76 20-Feb-2020 - 23-Mar-2020
Quarter 80.26 09-Mar-2009 - 10-Jun-2009 -44.17 02-Sep-2008 - 02-Dec-2008
Year 119.30 09-Mar-2009 - 09-Mar-2010 -63.06 14-Jan-2008 - 13-Jan-2009

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.68 22.97 0.13 0.15 0.86 0.25
S&P BSE 500 TRI 13.30 23.03 0.38 0.45 -- --
Equity: Thematic-Consumption 11.07 21.19 0.31 0.36 0.77 3.93
Rank within category 10 9 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 28-Feb-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Top 10 Stocks (%) 49.95
Top 5 Stocks (%) 28.50
Top 3 Sectors (%) 68.83
Portfolio P/B Ratio 4.38
Portfolio P/E Ratio 44.54

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 50,886 68,396
Giant (%) 29.82 39.68
Large (%) 20.97 19.11
Mid (%) 37.65 29.09
Small (%) 11.56 12.53
Tiny (%) -- 2.53

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
down Tata Consumer Products FMCG 76.76 8.69 1.48 6.51
down Hindustan Unilever FMCG 69.82 9.18 4.16 6.26
down Crompton Greaves Consumer Electricals Cons Durable 54.87 5.29 0.00 5.29
equal Varun Beverages FMCG 86.59 5.23 0.89 5.23
down Mahindra & Mahindra Automobile -- 5.44 2.19 5.21
down Asian Paints Chemicals 84.40 5.45 1.86 5.05
down HDFC Bank Financial 27.93 4.76 0.00 4.76
down ICICI Bank Financial 28.99 4.10 0.00 4.10
down Voltas Cons Durable 76.75 3.96 0.00 3.96
down The Ramco Cements Construction 33.26 3.85 1.04 3.58
down Coromandel International Chemicals 16.18 2.92 0.77 2.92
down SBI Life Insurance Company Financial 66.87 3.77 1.20 2.77
equal ITC FMCG 19.11 5.65 1.74 2.51
equal Whirlpool Cons Durable 96.85 2.32 0.59 2.32
down TTK Prestige Cons Durable 64.68 2.48 0.74 2.17
down P&G Hygiene & Health Care FMCG 63.21 3.23 1.31 2.14
down India Cements Construction 35.90 2.20 0.77 2.14
down Maruti Suzuki India Automobile 49.11 2.15 1.19 2.10
down Nestle India FMCG 78.07 3.08 1.31 2.08
down United Spirits FMCG 172.02 2.21 0.00 1.85
down ICICI Lombard General Insurance Company Financial 47.04 3.13 0.90 1.82
down V-Guard Industries Cons Durable 58.17 2.38 1.37 1.68
down Heritage Foods FMCG -- 2.45 1.17 1.66
equal Aditya Birla Fashion and Retail Services -- 2.22 0.00 1.64
down Bajaj Finance Financial 80.27 1.68 0.00 1.62

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-Jan-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:

— S Bharath since 25-Apr-2018

-0.30%

Change from previous, NAV as on 08-Mar-2021

Growth: ₹ 50.3203

Dividend: ₹ 20.4618

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 20
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: 12-May-2006
Return Since Launch: 11.51%
Benchmark: NIFTY 500 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,375 Cr (As on 31-Jan-2021)
Expense: 2.24% (As on 31-Jan-2021)
Risk Grade: --
Return Grade: --
Turnover: 16.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend17-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
 24-Dec-20103.0000
 17-Nov-20061.0000

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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