# Sundaram Medium Term Fund

Sundaram Asset Management Company Ltd · Medium Term · Regular plan, Growth

Full page with charts: https://discovermf.com/funds/sundaram-medium-term-fund-100603
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:** Lending for three to four years. Its latest portfolio: 61% shares, 30% bonds and money market and 9% cash.
- **₹10,000 a month:** For the last 5 years: ₹6 lakh put in, worth ₹6.68 lakh on 3 Nov 2026.
- **Next to similar funds:** Over the last 3 years it earned 4.9% a year; similar funds earned 7.0% a year on average.
- **How bumpy:** Moderate: some ups and downs. It made money in 98 of every 100 one-year stretches; its worst 12 months saw a fall of 1.1%.
- **Expense ratio:** 1.83% a year. Similar funds: 1.32% on average.
- **Fees and minimums:** A SIP from ₹1,000 a month. No fee for selling early.

Past returns do not tell you future returns.

## Key facts

- **NAV:** ₹71.27 on 3 Nov 2026
- **Fund size:** ₹32.1 cr (2 Nov 2026)
- **Expense ratio:** 1.83% a year (typical in its category 1.32%)
- **Riskometer:** Moderate
- **Benchmark:** NIFTY Medium Duration Debt Index A-III
- **Category:** [Medium Term](https://discovermf.com/categories/medium-term.md)
- **Fund house:** [Sundaram Asset Management Company Ltd](https://discovermf.com/fund-houses/sundaram)
- **Launched:** 18 Dec 1997 (prices here start 3 Apr 2006)
- **Exit load:** NIL
- **Minimum investment:** ₹5,000 to start, ₹1,000 a month by SIP
- **AMFI scheme code:** 100603

## Returns

| Period | Fund | Category average | Benchmark | Rank in category |
| --- | --- | --- | --- | --- |
| 1 month | -0.2% | — | — | — |
| 3 months | -0.6% | — | — | — |
| 6 months | +1.2% | — | — | — |
| 1 year | +1.8% | +4.2% | +1.5% | 13 of 13 |
| 3 years (a year) | +4.9% | +7.0% | +6.1% | 13 of 13 |
| 5 years (a year) | +3.9% | +6.2% | +5.2% | 12 of 12 |
| Since 3 Apr 2006 (a year) | +5.9% | — | — | — |

### Calendar years

| Year | Fund | Benchmark |
| --- | --- | --- |
| 2026 | +1.4% | — |
| 2025 | +5.7% | — |
| 2024 | +6.2% | — |
| 2023 | +5.5% | — |
| 2022 | +0.7% | — |
| 2021 | +1.7% | — |
| 2020 | +6.3% | — |
| 2019 | +8.1% | — |
| 2018 | +4.7% | — |
| 2017 | +5.7% | — |

### 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 | ₹3.81 lakh | +3.7% |
| 5 years ago | ₹6 lakh | ₹6.68 lakh | +4.3% |
| 10 years ago | ₹12 lakh | ₹14.94 lakh | +4.3% |

## Risk

| Measure | Fund | Category average |
| --- | --- | --- |
| Volatility, last year | 1.5% | 1.5% |
| Worst fall, last year | -1.3% | — |
| Worst fall, last 3 years | -1.3% | — |
| Sharpe ratio, 3 years | -0.78 | — |
| Sortino ratio, 3 years | -1.07 | — |
| Beta, 3 years | — | — |
| Alpha, 3 years | — | — |

## Portfolio, September 2026

18 holdings. Equity 61.0%, Debt 30.2%, Cash and equivalents 8.8%.

### Largest holdings

| Holding | Sector or type | Weight |
| --- | --- | --- |
| 6.53% Tamil Nadu State Development Loan 06/01/2031 | Equity | 17.92% |
| 6.48% Central Government Securities 06/10/2035 | Debt | 17.69% |
| 6.36% Central Government Securities 16/02/2031 | Debt | 12.11% |
| Cholamandalam Investment and Finance Company Ltd - 7.38% - 28/05/2027 | Equity | 6.14% |
| Small Industries Development Bank of India - 7.42% - 12/03/2029 | Equity | 6.11% |
| National Bank for Agriculture & Rural Development - 7.01% - 16/03/2029 | Equity | 6.06% |
| Cash and Other Net Current Assets | Cash | 5.55% |
| REC LTD - 7.28% - 31/08/2029 | Equity | 4.57% |
| TREPS | Cash | 3.24% |
| Can Fin Homes Ltd - 8.09% - 04/01/2027 | Equity | 3.09% |

## Managers

- [Sandeep Agarwal](https://discovermf.com/fund-managers/sandeep-agarwal)
- [Kumaresh Ramakrishnan](https://discovermf.com/fund-managers/kumaresh-ramakrishnan)

## Objective

To generate income and capital appreciation by investing in Fixed Income Securities and Money Market Instruments. No Guarantee: Investors are neither being offered any guaranteed/indicated returns nor any guarantee on repayment of capital by the Scheme. There is also no guarantee of capital or return either by the mutual fund or by the sponsor or by the Asset management Company.