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Sundaram Ultra Short to Short Term Fund

Low DurationLow to ModerateOPEN-ENDED
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NAV as on 24 Sep 2026
₹3,694.87-0.03%1 day
Return since launch
7.0%
52-week range
₹3,510.77 — ₹3,696.16
AUM
₹446 Cr

Sundaram Ultra Short to Short Term Fund is a Low Duration debt fund from Sundaram Mutual Fund with ₹446 Cr under management, launched in 2004. Over three years it has returned 6.2% a year, against 6.8% for its category. The expense ratio is 1.14% and the SEBI riskometer reading is Low to Moderate.

Performance

Sundaram Ultra Short to Short Term Fund NAV and returns

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

Over 1Y this fund returned +5.2% against +5.8% for its category.

Performance

Returns

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

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y5.5%−0.3 pts5.7%6.0%
2Y5.8%−0.4 pts6.2%6.3%
3Y6.2%−0.6 pts6.8%6.6%
5Y6.3%+0.2 pts6.1%6.6%
7Y6.6%+0.3 pts6.3%6.2%
10Y6.0%−0.3 pts6.3%6.2%

Fund against category

1Y
Fund5.5%
Category5.7%
3Y
Fund6.2%
Category6.8%
5Y
Fund6.3%
Category6.1%

Since launch (19 Aug 2004): 7.0%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20256.8%−0.9 pts7.8%
20247.2%−0.6 pts7.8%
20236.5%−0.9 pts7.4%
20224.2%−0.4 pts4.6%
202110.9%+6.2 pts4.6%
20206.1%−2.6 pts8.7%

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

1.14%

Expense ratio as on 22 Sep 2026

Charged yearly and already deducted from the NAV.

Base expense
0.99%
Brokerage
0.00%
Transaction charges
0.00%
Statutory levies
0.15%
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 Low Duration Debt Index A-I

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.
Sharpe1.031.93Return earned for each unit of total risk taken. Higher is better.
Sortino1.352.92Return earned for each unit of downside risk. Higher is better.
Std. deviation0.640.64How widely monthly returns have varied around their own average. Lower is steadier.
Average of 5 category peers

Portfolio

Sundaram Ultra Short to Short Term Fund portfolio

Portfolio as of 31 Aug 2026

Asset allocation

  • Debt92.0%
  • Other8.0%

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
OthersOthers8.28%₹36.94 Cr+1.13%+0.86%+0.62%
Export-Import Bank Of IndiaFinancial6.54%₹29.19 Cr+13.00%+2.12%+3.40%
company:2048Financial6.50%₹29.02 Cr———
Jamnagar Utilities and Power Pvt. Ltd.Capital Goods5.60%₹24.98 Cr+6.83%+5.29%—
Bank Of BarodaFinancial5.44%₹24.29 Cr—+2.02%+3.46%
Canara BankFinancial5.41%₹24.14 Cr+1.35%—+4.32%
Muthoot Finance Ltd.Financial4.38%₹19.56 Cr+5.16%+1.51%+1.25%
Embassy Office Parks REITConstruction4.32%₹19.28 Cr+5.17%——
Indian BankFinancial4.26%₹19.02 Cr—+4.18%+2.60%
Small Industries Devp. Bank of India Ltd.Financial3.36%₹14.98 Cr+5.49%+4.29%+3.57%

Sectors

  • Financial79.6%
  • Others8.3%
  • Capital Goods5.6%
  • Construction4.3%
  • Communication2.3%

Instruments

  • Certificate of Deposit33.6%
  • Debenture17.2%
  • Commercial Paper11.9%
  • Repo11.8%
  • Bonds11.1%
  • Non Convertible Debenture9.6%
  • Treasury Bills7.1%
  • Bonds/NCDs1.1%

Recent changes

HoldingFromToWeight
company:20480.00%6.50%+6.50%
company:20890.00%3.33%+3.33%
company:4070.00%3.30%+3.30%
Reserve Bank of India4.60%1.56%-3.04%
company:55000.00%2.18%+2.18%
Godrej Industries Ltd.2.08%0.00%-2.08%
Indian Bank2.23%4.26%+2.03%
Tamilnadu State1.16%0.00%-1.16%
JM Financial Products Ltd.1.54%0.75%-0.79%
Jamnagar Utilities and Power Pvt. Ltd.5.77%5.60%-0.17%
Bank Of Baroda5.58%5.44%-0.13%
Canara Bank5.54%5.41%-0.13%
Export-Import Bank Of India5.55%5.42%-0.13%
Embassy Office Parks REIT4.42%4.32%-0.10%
Bharti Telecom Ltd.2.33%2.25%-0.07%
PNB Housing Finance Ltd.2.32%2.25%-0.07%
Can Fin Homes Ltd.2.08%2.02%-0.06%
Indusind Bank Ltd.2.25%2.20%-0.05%
Union Bank of India2.21%2.16%-0.05%
Muthoot Finance Ltd.2.21%2.15%-0.05%
IIFL Finance Ltd.2.26%2.21%-0.05%
National Bank For Agriculture & Rural Development1.16%1.12%-0.04%
Small Industries Devp. Bank of India Ltd.1.15%1.11%-0.04%
National Bank For Financing Infrastructure And Development1.15%1.11%-0.04%
REC Ltd.1.16%1.12%-0.04%
360 One Wam Ltd.1.11%1.09%-0.03%
360 ONE Wealth Ltd.0.69%0.67%-0.02%
Others0.32%0.31%-0.01%

Compare

Similar funds

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

FundAUMExpense1Y3Y5Y
Category average₹5,593 Cr0.45%6.3%6.9%6.9%
ICICI Prudential Ultra Short to Short Term Fund₹21,047 Cr0.53%6.3%7.0%7.1%
Tata Ultra Short to Short Term Fund₹2,871 Cr0.57%6.3%6.7%6.7%
UTI Ultra Short to Short Term Fund₹2,680 Cr0.48%6.3%6.9%6.9%
Aditya Birla Sun Life CRISIL-IBX Financial Services 9-12 Months Debt Index Fund₹1,228 Cr0.36%6.4%——
Mirae Asset CRISIL-IBX Financial Services 9-12 Months Debt Index Fund₹138 Cr0.29%6.3%——

About

About this fund

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

Investment objective

The scheme will maintain a judicious mix of cash, short term and medium term instruments.

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.
  • 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 months3.07% absolute₹60,000₹61,8423.07%
1 year5.23% annualised₹1,20,000₹1,23,4542.88%
3 years6.52% annualised₹3,60,000₹3,98,59010.72%
5 years6.61% annualised₹6,00,000₹7,12,65218.78%

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 Ultra Short to Short Term Fund?
The NAV of Sundaram Ultra Short to Short Term Fund is ₹3,694.87 as on 24 Sep 2026.
What is the expense ratio of Sundaram Ultra Short to Short Term Fund?
The expense ratio of Sundaram Ultra Short to Short Term Fund is 1.14% per year.
What is the minimum SIP amount for Sundaram Ultra Short to Short Term Fund?
You can start a SIP in Sundaram Ultra Short to Short Term Fund with ₹3,000 a month.
What returns has Sundaram Ultra Short to Short Term Fund given?
Sundaram Ultra Short to Short Term Fund has returned 5.5% over 1 year, 6.2% over 3 years and 6.3% over 5 years (annualised).
Is there a lock-in or exit load on Sundaram Ultra Short to Short Term Fund?
Lock-in: None. Exit load: Exit load of 3% if redeemed within 180 days..
How risky is Sundaram Ultra Short to Short Term Fund?
Sundaram Ultra Short to Short Term Fund is rated Low to Moderate on the SEBI riskometer and belongs to the Low Duration category.
Which fund house manages Sundaram Ultra Short to Short Term Fund?
Sundaram Ultra Short to Short Term Fund is managed by Sundaram Mutual Fund, which runs 32 schemes with ₹76,995 Cr under management.