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Unrated

Sundaram Rural and Consumption Fund - Regular Plan

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Equity: Thematic-Consumption

1 Lakh

Investment Grown to
₹ 1.02 Lakh

₹ 10000

Monthly SIP Declined to
₹ 3.57 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 -5.01 0.27 4.65 4.10 19.74 -9.96 4.23 0.57 7.65 15.70 10.24
S&P BSE 500 TRI -5.10 0.75 3.82 5.48 23.38 -5.80 3.96 4.36 6.74 13.14 8.68
Equity: Thematic-Consumption -1.73 0.65 3.91 4.70 20.28 -5.33 8.21 4.84 7.10 13.58 11.12
Rank within category 8 7 3 6 5 11 11 9 4 3 4
Number of funds in category 12 12 12 12 12 12 12 9 8 7 6

As on 10-Aug-2020

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 4.23 0.57 7.65 2.28 1,485
Aditya Birla Sun Life India GenNext Fund  | Invest Online
Unrated
 Aug-05 5.17 5.34 8.44 2.37 1,479
Tata India Consumer Fund - Regular Plan  | Invest Online
Unrated
 Dec-15 8.27 6.71 -- 2.35 1,145
Mirae Asset Great Consumer Fund - Regular Plan  | Invest Online
Unrated
 Mar-11 6.42 6.64 8.85 2.21 959
SBI Consumption Opportunities Fund  | Invest Online
Unrated
 Jul-99 -6.67 0.74 5.22 2.64 541

Best & Worst Performance

Best (Period) Worst (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 0.80 21.96 -0.20 -0.22 0.87 0.97
S&P BSE 500 TRI 4.74 21.74 -0.02 -0.03 -- --
Equity: Thematic-Consumption 4.43 20.02 -0.04 -0.04 0.77 4.01
Rank within category 10 9 10 10 10 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-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 43
Top 10 Stocks (%) 41.65
Top 5 Stocks (%) 25.75
Top 3 Sectors (%) 71.62
Portfolio P/B Ratio 3.71
Portfolio P/E Ratio 34.13

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 37,860 63,610
Giant (%) 25.24 40.61
Large (%) 26.44 24.08
Mid (%) 38.50 25.02
Small (%) 9.82 10.98
Tiny (%) -- 1.38

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 94.30 8.69 1.48 7.57
equal Hindustan Unilever FMCG 76.51 9.18 4.16 7.19
equal Varun Beverages FMCG 98.83 3.91 0.89 3.85
down Asian Paints Chemicals 76.38 4.43 1.76 3.69
equal HDFC Bank Financial 20.55 3.45 0.00 3.45
equal Mahindra & Mahindra Automobile -- 5.44 2.19 3.44
down SBI Life Insurance Company Financial 59.88 3.45 0.00 3.42
equal Crompton Greaves Consumer Electricals Cons Durable 36.86 3.42 0.00 3.21
equal The Ramco Cements Construction 26.91 2.95 0.00 2.95
equal P&G Hygiene & Health Care FMCG 78.41 3.23 1.31 2.87
down ICICI Lombard General Insurance Company Financial 49.20 3.13 0.00 2.81
down Nestle India FMCG 77.70 3.08 1.28 2.78
equal ICICI Bank Financial 23.28 3.17 0.00 2.70
down Coromandel International Chemicals 18.22 2.70 0.77 2.70
equal Bayer CropScience Healthcare 45.59 2.40 0.86 2.40
equal City Union Bank Financial 18.45 3.58 0.00 2.37
down Bata India FMCG 124.42 3.00 0.00 2.29
equal TTK Prestige Cons Durable 49.80 2.41 0.00 2.19
equal V-Guard Industries Cons Durable 50.55 2.38 1.38 2.17
down Dabur India FMCG 64.41 2.41 1.27 2.17
equal United Spirits FMCG 199.14 2.21 0.00 2.09
equal ITC FMCG 17.60 5.65 1.74 2.06
up Voltas Cons Durable 39.22 2.02 0.00 2.02
equal Britannia Inds. FMCG 55.40 2.70 1.15 1.92
equal Greenlam Industries FMCG 25.22 1.98 0.00 1.91

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 30-Jun-2020

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

— S Krishnakumar since 01-Jan-2016

Education: Mr. Kumar is a B. Tech from National Institute of Technology Trichy, and MBA from LIBA Chennai.

Experience: Prior to joining Sundaram BNP Paribas Mutual Fund he has worked with Anush Shares & Securities.

Interviews:

Funds Managed:

0.27%

Change from previous, NAV as on 10-Aug-2020

Growth: ₹ 40.1995

Dividend: ₹ 16.3464

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 (₹) 250
Minimum No of Cheques 20
Minimum Withdrawal (₹) 100
Minimum Balance (₹) 1
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: 10.25%
Benchmark: NIFTY 500 TRI
Riskometer: High
Type: Open-ended
Assets: ₹ 1,485 Cr (As on 30-Jun-2020)
Expense: 2.28% (As on 30-Jun-2020)
Risk Grade: --
Return Grade: --
Turnover: 22.00%

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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