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Sundaram Short Term Fund

Short DurationLow to ModerateOPEN-ENDED
Invest Now
NAV as on 24 Sep 2026
₹47.11-0.10%1 day
Return since launch
7.1%
52-week range
₹44.90 — ₹47.19
AUM
₹178 Cr

Sundaram Short Term Fund is a Short Duration debt fund from Sundaram Mutual Fund with ₹178 Cr under management, launched in 2003. Over three years it has returned 6.3% a year, against 6.7% for its category. The expense ratio is 0.80% and the SEBI riskometer reading is Low to Moderate.

Performance

Sundaram Short Term Fund NAV and returns

Growth of the fund against its category average over the period you pick.

Over 1Y this fund returned +4.9% against +4.9% for its category.

Performance

Returns

How the fund has done against its category and its benchmark.

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y4.9%+0.2 pts4.8%4.9%
2Y5.6%+0.1 pts5.5%5.6%
3Y6.3%−0.5 pts6.7%6.3%
5Y6.5%+0.4 pts6.1%6.4%
7Y6.8%+0.5 pts6.3%6.1%
10Y6.3%0.0 pts6.3%6.3%

Fund against category

1Y
Fund4.9%
Category4.8%
3Y
Fund6.3%
Category6.7%
5Y
Fund6.5%
Category6.1%

Since launch (13 May 2003): 7.1%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20257.3%−0.8 pts8.1%
20247.9%−0.5 pts8.3%
20236.9%−0.5 pts7.3%
20223.5%−1.5 pts5.0%
202110.2%+5.6 pts4.5%
20209.7%−0.1 pts9.8%

Returns over one year are annualised. Shorter periods are absolute.

Costs & terms

Costs and terms

What the fund charges each year, and the rules around putting money in and taking it out.

Costs

0.80%

Expense ratio as on 22 Sep 2026

Charged yearly and already deducted from the NAV.

Base expense
0.69%
Brokerage
0.00%
Transaction charges
0.00%
Statutory levies
0.11%
Exit load
Exit load of 3% if redeemed within 180 days.
Lock-in
None

Terms

Min SIP
₹3,000
Min lumpsum
₹5,000
Plan
GROWTH
Fund type
OPEN-ENDED
Benchmark
NIFTY SD Debt Index A-II

Risk

Risk

What the riskometer means for this fund, and how its ratios sit against the category.

Low to Moderate

Your principal is treated as being at low to moderate risk — typically short duration debt schemes.

Risk ratios
RatioFundCategory avgRead as
Alpha——Return earned above what the benchmark alone would have given. Higher is better.
Beta——How hard the fund moves when the market moves. Under 1 is steadier than the market.
Sharpe0.790.94Return earned for each unit of total risk taken. Higher is better.
Sortino1.371.59Return earned for each unit of downside risk. Higher is better.
Std. deviation1.231.35How widely monthly returns have varied around their own average. Lower is steadier.
Average of 5 category peers

Portfolio

Sundaram Short Term Fund portfolio

Portfolio as of 31 Aug 2026

Asset allocation

  • Debt93.9%
  • Other6.1%

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
REC Ltd.Financial8.36%₹14.90 Cr+5.33%+5.02%+4.93%
National Bank For Agriculture & Rural DevelopmentFinancial8.30%₹14.79 Cr+10.65%+10.10%+4.97%
Small Industries Devp. Bank of India Ltd.Financial7.23%₹12.88 Cr+5.35%+4.98%+4.94%
OthersOthers6.48%₹11.56 Cr+1.03%+0.95%+0.91%
PNB Housing Finance Ltd.Financial5.63%₹10.03 Cr+5.35%+5.04%+4.97%
Power Finance Corporation Ltd.Financial5.62%₹10.02 Cr+5.35%+5.05%+5.01%
Export-Import Bank Of IndiaFinancial5.61%₹9.99 Cr+5.32%+5.03%+4.97%
LIC Housing Finance Ltd.Financial5.60%₹9.97 Cr+5.35%+5.05%+5.00%
company:5966Construction5.50%₹9.81 Cr———
Punjab National BankFinancial5.45%₹9.72 Cr+5.08%+4.68%—

Sectors

  • Financial79.6%
  • Sovereign8.5%
  • Others6.5%
  • Construction5.5%

Instruments

  • Debenture33.6%
  • Bonds16.8%
  • Non Convertible Debenture11.1%
  • GOI Securities8.5%
  • Certificate of Deposit8.2%
  • State Development Loan5.5%
  • Commercial Paper5.4%
  • Bonds/NCDs4.5%

Recent changes

HoldingFromToWeight
Tamilnadu State8.33%0.00%-8.33%
company:59660.00%5.50%+5.50%
REC Ltd.2.77%5.55%+2.78%
Muthoot Finance Ltd.2.77%0.00%-2.77%
company:20480.00%2.71%+2.71%
Punjab National Bank5.34%5.45%+0.11%
Union Bank of India5.30%5.41%+0.11%
PNB Housing Finance Ltd.5.56%5.63%+0.07%
National Bank For Agriculture & Rural Development5.44%5.50%+0.06%
Power Finance Corporation Ltd.5.57%5.62%+0.06%
Export-Import Bank Of India5.55%5.61%+0.05%
Hinduja Leyland Finance Ltd.2.77%2.81%+0.04%
Can Fin Homes Ltd.2.77%2.81%+0.04%
Small Industries Devp. Bank of India Ltd.4.42%4.46%+0.04%
360 ONE Wealth Ltd.2.77%2.81%+0.04%
National Housing Bank2.77%2.81%+0.04%
GOI2.86%2.88%+0.03%
Cholamandalam Investment and Finance Company Ltd.2.79%2.82%+0.03%
National Bank For Financing Infrastructure And Development2.76%2.78%+0.03%
Others0.36%0.37%+0.01%
LIC Housing Finance Ltd.2.78%2.78%0.00%

Compare

Similar funds

The rest of the category, so this fund’s numbers have something to sit against.

FundAUMExpense1Y3Y5Y
Category average₹11,181 Cr0.91%5.2%6.6%6.7%
ICICI Prudential Short Term Fund₹19,403 Cr1.05%5.3%6.6%6.9%
HDFC Short Term Fund₹14,486 Cr0.72%4.9%6.5%6.7%
Bandhan Short Term Fund₹8,731 Cr0.87%5.9%6.7%6.7%
Axis Short Term Fund₹7,501 Cr0.93%5.2%6.7%6.7%
Aditya Birla Sun Life Short Term Fund₹5,782 Cr0.96%4.9%6.4%6.6%

About

About this fund

The scheme’s own words, its benchmark and the people running it.

Investment objective

The fund aims to generate income and capital appreciation from a portfolio of debt and money market instruments. The fund can be slotted between a cash fund and a bond fund.

Fund managers

  • Kumaresh RamakrishnanMr. Ramakrishnan is a B.E from Mumbai University and MBA from NMIMS (Mumbai).Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, DWS AMC, Societe Generale and CARE.
  • Ronak ShahMBA, B. ComPrior to joining the Sundaram AMC, he was associated with Tata AIA Life Insurance Co. Ltd and Derivium Tradition and Securities (P) Ltd.
  • Sandeep AgarwalMr. Agarwal is a B.Com (H) from University of Kota, Chartered Accountant and CS.Prior to joining Sundaram Mutual Fund he has worked with Deutsche AMC.
Scheme information document

Tools

Return calculator

What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.

₹
Over the pastTotal investmentWould’ve becomeGrowthReturns
6 months2.89% absolute₹60,000₹61,7342.89%
1 year4.90% annualised₹1,20,000₹1,23,2332.69%
3 years6.80% annualised₹3,60,000₹4,00,36011.21%
5 years6.64% annualised₹6,00,000₹7,13,22218.87%

Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.

How this is calculated

Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.

The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.

Questions

Frequently asked questions

The things people ask about this scheme.

What is the NAV of Sundaram Short Term Fund?
The NAV of Sundaram Short Term Fund is ₹47.11 as on 24 Sep 2026.
What is the expense ratio of Sundaram Short Term Fund?
The expense ratio of Sundaram Short Term Fund is 0.80% per year.
What is the minimum SIP amount for Sundaram Short Term Fund?
You can start a SIP in Sundaram Short Term Fund with ₹3,000 a month.
What returns has Sundaram Short Term Fund given?
Sundaram Short Term Fund has returned 4.9% over 1 year, 6.3% over 3 years and 6.5% over 5 years (annualised).
Is there a lock-in or exit load on Sundaram Short Term Fund?
Lock-in: None. Exit load: Exit load of 3% if redeemed within 180 days..
How risky is Sundaram Short Term Fund?
Sundaram Short Term Fund is rated Low to Moderate on the SEBI riskometer and belongs to the Short Duration category.
Which fund house manages Sundaram Short Term Fund?
Sundaram Short Term Fund is managed by Sundaram Mutual Fund, which runs 32 schemes with ₹76,995 Cr under management.