# Sundaram Dynamic Asset Allocation Fund

Sundaram Asset Management Company Ltd · Balanced Advantage / Dynamic Asset Allocation · Regular plan, Growth

Full page with charts: https://discovermf.com/funds/sundaram-dynamic-asset-allocation-fund-149715
Figures as of 3 Nov 2026, from DiscoverMF. Information, not investment advice. Past returns do not indicate future returns. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.

## In short

- **What it invests in:** Moves between shares and bonds. Its latest portfolio: 85% shares, 13% bonds and money market and 2% cash.
- **₹10,000 a month:** For the last 3 years: ₹3.6 lakh put in, worth ₹3.68 lakh on 3 Nov 2026.
- **Next to similar funds:** Over the last 3 years it earned 6.7% a year; similar funds earned 8.2% a year on average.
- **How bumpy:** High: big ups and downs. It made money in 88 of every 100 one-year stretches; its worst 12 months saw a fall of 8.1%.
- **Expense ratio:** 2.54% a year. Similar funds: 2.34% on average.
- **Fees and minimums:** A SIP from ₹100 a month. A fee may apply if you sell soon after buying; the full terms are under Cost.

Past returns do not tell you future returns.

## Key facts

- **NAV:** ₹34.37 on 3 Nov 2026
- **Fund size:** ₹1,592 cr (2 Nov 2026)
- **Expense ratio:** 2.54% a year (typical in its category 2.34%)
- **Riskometer:** High
- **Benchmark:** NIFTY 50 Hybrid Composite Debt 50:50 TRI
- **Category:** [Balanced Advantage / Dynamic Asset Allocation](https://discovermf.com/categories/balanced-advantage-dynamic-asset-allocation.md)
- **Fund house:** [Sundaram Asset Management Company Ltd](https://discovermf.com/fund-houses/sundaram)
- **Launched:** 1 Dec 2010 (prices here start 3 Jan 2022)
- **Exit load:** Exit Load: W.E.F Dec 31, 2021 -Nil - If up to 25% of the units invested are redeemed or withdrawn by way of SWP within 365 days from the date of allotment. Any redemptions or withdrawals by way of SWP in excess of the above mentioned limit would be subject to an exit load of 1 % of the applicable NAV will be charged, if the units are redeemed within 365 days from the date of allotment of units. For redemption or withdrawal by way of SWP after 365 days from the date of allotment - Nil. Generally, the exit load will be calculated on First in First out (FIFO) basis.
- **Minimum investment:** ₹100 to start, ₹100 a month by SIP
- **AMFI scheme code:** 149715

## Returns

| Period | Fund | Category average | Benchmark | Rank in category |
| --- | --- | --- | --- | --- |
| 1 month | +1.8% | — | — | — |
| 3 months | -3.5% | — | — | — |
| 6 months | -1.0% | — | — | — |
| 1 year | -4.6% | -1.5% | -3.7% | 32 of 36 |
| 3 years (a year) | +6.7% | +8.2% | +7.0% | 23 of 30 |
| 5 years (a year) | — | +7.3% | +6.1% | — |
| Since 3 Jan 2022 (a year) | +6.5% | — | — | — |

### Calendar years

| Year | Fund | Benchmark |
| --- | --- | --- |
| 2026 | -4.5% | — |
| 2025 | +5.1% | — |
| 2024 | +12.6% | — |
| 2023 | +14.1% | — |

### A ₹10,000 monthly SIP

On the first price of each month, valued at the NAV of 3 Nov 2026.

| Started | Put in | Worth | Yearly return (XIRR) |
| --- | --- | --- | --- |
| 3 years ago | ₹3.6 lakh | ₹3.68 lakh | +1.4% |

## Risk

| Measure | Fund | Category average |
| --- | --- | --- |
| Volatility, last year | 9.5% | 9.2% |
| Worst fall, last year | -10.1% | — |
| Worst fall, last 3 years | -10.1% | — |
| Sharpe ratio, 3 years | 0.09 | — |
| Sortino ratio, 3 years | 0.12 | — |
| Beta, 3 years | — | — |
| Alpha, 3 years | — | — |

## Portfolio, September 2026

89 holdings. Equity 85.2%, Debt 12.6%, Cash and equivalents 2.0%, Other -12.7%.

### Largest holdings

| Holding | Sector or type | Weight |
| --- | --- | --- |
| ICICI Bank Ltd | Banks | 7.12% |
| Reliance Industries Ltd | Petroleum Products | 5.12% |
| Eternal Ltd (Previously Zomato Ltd) | Retailing | 4.20% |
| Bharti Airtel Ltd | Telecom - Services | 3.86% |
| HDFC Bank Ltd | Banks | 3.79% |
| 6.48% Central Government Securities 06/10/2035 | Debt | 3.53% |
| Kotak Mahindra Bank Ltd | Banks | 3.24% |
| TREPS | Cash | 3.15% |
| Larsen & Toubro Ltd | Construction | 2.98% |
| 6.94% Central Government Securities 11/05/2036 | Debt | 2.47% |

### Largest sectors

| Sector | Weight |
| --- | --- |
| Banks | 14.7% |
| Finance | 7.4% |
| Petroleum Products | 5.1% |
| Automobiles | 4.8% |
| Pharmaceuticals & Biotechnology | 4.6% |

## Managers

- [Bharath](https://discovermf.com/fund-managers/bharath)
- [Clyton Richard Fernandes](https://discovermf.com/fund-managers/clyton-richard-fernandes)
- [Kumaresh Ramakrishnan](https://discovermf.com/fund-managers/kumaresh-ramakrishnan)

## Objective

An open ended dynamic asset allocation fund, The investment objective of the Scheme is to provide accrual
income and capital appreciation by investing in a mix of
equity, debt, REITs/InvITs and equity derivatives that are
managed dynamically.