# Sundaram Short Term Fund

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

Full page with charts: https://discovermf.com/funds/sundaram-short-term-fund-149585
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 one to three years. Its latest portfolio: 74% shares, 17% bonds and money market and 9% cash.
- **₹10,000 a month:** For the last 3 years: ₹3.6 lakh put in, worth ₹3.93 lakh on 3 Nov 2026.
- **Next to similar funds:** Over the last 3 years it earned 6.7% a year; similar funds earned 6.5% a year on average.
- **How bumpy:** Low to moderate: small ups and downs. It made money in 100 of every 100 one-year stretches.
- **Expense ratio:** 0.73% a year. Similar funds: 0.98% on average.
- **Fees and minimums:** A SIP from ₹100 a month. No fee for selling early.

Past returns do not tell you future returns.

## Key facts

- **NAV:** ₹47.14 on 3 Nov 2026
- **Fund size:** ₹190 cr (2 Nov 2026)
- **Expense ratio:** 0.73% a year (typical in its category 0.98%)
- **Riskometer:** Low to Moderate
- **Benchmark:** NIFTY Short Duration Debt Index A-II
- **Category:** [Short Term](https://discovermf.com/categories/short-term.md)
- **Fund house:** [Sundaram Asset Management Company Ltd](https://discovermf.com/fund-houses/sundaram)
- **Launched:** 4 Sept 2002 (prices here start 3 Jan 2022)
- **Exit load:** NIL
- **Minimum investment:** ₹5,000 to start, ₹100 a month by SIP
- **AMFI scheme code:** 149585

## Returns

| Period | Fund | Category average | Benchmark | Rank in category |
| --- | --- | --- | --- | --- |
| 1 month | +0.0% | — | — | — |
| 3 months | +0.4% | — | — | — |
| 6 months | +2.3% | — | — | — |
| 1 year | +4.2% | +3.9% | +3.6% | 4 of 22 |
| 3 years (a year) | +6.7% | +6.5% | +6.4% | 7 of 22 |
| 5 years (a year) | — | +6.0% | +5.8% | — |
| Since 3 Jan 2022 (a year) | +6.0% | — | — | — |

### Calendar years

| Year | Fund | Benchmark |
| --- | --- | --- |
| 2026 | +3.5% | — |
| 2025 | +7.3% | — |
| 2024 | +7.9% | — |
| 2023 | +6.9% | — |

### 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 | ₹3.93 lakh | +5.8% |

## Risk

| Measure | Fund | Category average |
| --- | --- | --- |
| Volatility, last year | 1.0% | 1.2% |
| Worst fall, last year | -0.4% | — |
| Worst fall, last 3 years | -0.4% | — |
| Sharpe ratio, 3 years | 0.85 | — |
| Sortino ratio, 3 years | 1.33 | — |
| Beta, 3 years | — | — |
| Alpha, 3 years | — | — |

## Portfolio, September 2026

27 holdings. Equity 73.8%, Debt 17.2%, Cash and equivalents 9.1%.

### Largest holdings

| Holding | Sector or type | Weight |
| --- | --- | --- |
| PNB Housing Finance Ltd - 8.15% - 29/07/2027 | Equity | 5.68% |
| Power Finance Corporation Ltd - 7.77% - 15/04/2028 | Equity | 5.68% |
| Export Import Bank of India - 7.35% - 27/07/2028 | Equity | 5.66% |
| REC LTD - 7.28% - 31/08/2029 | Equity | 5.61% |
| National Bank for Agriculture & Rural Development - 6.66% - 12/10/2028 | Equity | 5.56% |
| Punjab National Bank - 05/02/2027 | Money_market | 5.55% |
| 6.45% Gujarat State Development Loan - 06/01/2030 | Equity | 5.53% |
| Union Bank of India - 16/03/2027 | Money_market | 5.51% |
| Cash and Other Net Current Assets | Cash | 4.98% |
| Small Industries Development Bank of India - 7.42% - 12/03/2029 | Equity | 4.50% |

## Managers

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

## Objective

To generate income and capital appreciation by investing primarily in fixed income securities & 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 Trustees by the Asset management Company.