HybridConservative Hybrid FundDirectGrowthModerately High

Sundaram Conservative Hybrid Fund

Q: What is the NAV of Sundaram Conservative Hybrid Fund?

As of 05 Oct 2026, the NAV of Sundaram Conservative Hybrid Fund is ₹32.26 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Sundaram Conservative Hybrid Fund delivered?

Sundaram Conservative Hybrid Fund has returned -0.96% over 1 year, +5.09% per year over 3 years, +5.08% per year over 5 years and +7.47% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund charges an expense ratio of 1.13% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund's largest holdings are 6.36% Central Government Securities 16/02/2031 (21.0%), BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 (5.2%), Bharti Airtel Ltd (2.3%), Reliance Industries Ltd (2.0%) and HDFC Bank Ltd (1.9%). Holdings are disclosed monthly and change over time.

Q: How risky is Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund is rated moderately high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.4% and its worst peak-to-trough fall in our sample was -12.6%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -0.41 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Sundaram Conservative Hybrid Fund's -0.41 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund is benchmarked against the CRISIL Hybrid 85+15 - Conservative Index. Its alpha and beta on this page are measured against that index.

Q: Who manages Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund is managed by Kumaresh Ramakrishnan at Sundaram.

Q: How is Sundaram Conservative Hybrid Fund taxed?

Sundaram Conservative Hybrid Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

Sundaram Mutual Fund · Best Conservative Hybrid Mutual Funds

NAV

₹32.26

+0.08% 1D

as of 05 Oct 2026

This is the Direct plan of Sundaram Conservative Hybrid Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

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NAV history

-1.16%absolute

52-week rangePrev NAV ₹32.23

Latest ₹32.26

Low ₹31.8430th percentile of its 52-week rangeHigh ₹33.24

Scorecard

★★☆☆☆2/5 vs 17 Conservative Hybrid Fund peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Conservative Hybrid Fund (same plan and option).

PerformanceBelow avg

3Y CAGR +5.09% · ranks 17 of 17 Conservative Hybrid Funds

RiskModerate

Volatility 3.4% vs 3.7% category avg

CostHigh

1.1% expense vs 0.9% category avg

ConsistencyHigh

100% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

Consistent — positive in 100% of rolling 3-year windows

Concerns

1-year return (-0.96%) trails the Conservative Hybrid Fund average (+2.27%)
3-year return (+5.09%) trails the Conservative Hybrid Fund average (+7.72%)
5-year return (+5.08%) trails the Conservative Hybrid Fund average (+7.33%)
Ranks #17 of 17 on 1-year return in its Conservative Hybrid Fund cohort
Weaker risk-adjusted returns — Sharpe -0.41 below the Conservative Hybrid Fund average of 0.34

Key Metrics

Annual fee charged by the fund, already deducted from NAV

1.13%

Category 0.95%▲0.18%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category —

Excess return per unit of total volatility (rf = 6.5%)

-0.41

Category 0.34▼0.75

Scheme Info

Definitions

Plan

Direct · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Exit Load

None

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹1,000

Smallest one-time (lumpsum) investment the scheme accepts

₹5,000

CRISIL Hybrid 85+15 - Conservative Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

08 Jan 2013

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-1.66%

Absolute return over the last 3 months (not annualized)

-1.09%

Absolute return over the last 6 months (not annualized)

+1.01%

Absolute return since 1 Jan of this year (not annualized)

-2.82%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

-0.96%

3-year annualized return (CAGR)

+5.09%

5-year annualized return (CAGR)

+5.08%

10-year annualized return (CAGR)

+6.23%

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+7.47%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

3.44%

Excess return per unit of total volatility (rf = 6.5%)

-0.41

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-0.54

Largest peak-to-trough decline over full history

-12.57%

Benchmark ratios

Not shown for Conservative Hybrid Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Conservative Hybrid Fund)

Period	Fund	Category avg.	Diff
1M abs	-1.66%	-1.24%	-0.42%
3M abs	-1.09%	-1.02%	-0.07%
6M abs	+1.01%	+3.49%	-2.48%
1Y CAGR	-0.96%	+2.27%	-3.23%
3Y CAGR	+5.09%	+7.72%	-2.63%
5Y CAGR	+5.08%	+7.33%	-2.25%

Category average across peers in Conservative Hybrid Fund (up to 16 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 16 peers in Conservative Hybrid Fund

1Y return

-0.96%

Beats 0% · rank #17

3Y return

+5.09%

Beats 0% · rank #17

5Y return

+5.08%

Beats 0% · rank #16

Sharpe

-0.41

Beats 0% · rank #17

Sortino

-0.54

Beats 0% · rank #17

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹6.67L

Absolute

+11.16%

XIRR

+4.32%

Value vs. invested

ValueInvested

60 monthly installments of ₹10,000 into Sundaram Conservative Hybrid Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	-2.82%
2025	+5.21%
2024	+9.14%
2023	+10.14%
2022	+3.75%
2021	+15.39%
2020	+8.32%
2019	+1.70%
2018	+0.41%
2017	+13.10%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

History points

3,314

Expense ratio

1.13%

AUM

₹16.06Cr

Exit load

NIL

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Conservative Hybrid Fund

Compare all


Sundaram Conservative Hybrid FundThis fund Sundaram · Direct · Growth	★★☆☆☆	-0.96%	+5.09%	+5.08%	—	1.13%	₹16.06Cr
Parag Parikh Conservative Hybrid Fund PPFAS · Direct · Growth	★★★★★	+3.51%	+9.18%	+8.92%	—	0.32%	₹3,353Cr
HSBC Conservative Hybrid Fund HSBC · Direct · Growth	★★★☆☆	+1.48%	+8.69%	+7.34%	—	1.19%	₹145.45Cr
ICICI Prudential Conservative Hybrid Fund ICICI Prudential · Direct · Growth	★★★★★	+2.30%	+8.57%	+8.04%	—	1.04%	—
DSP Conservative Hybrid Fund DSP · Direct · Growth	★★★☆☆	+2.78%	+8.50%	+7.25%	—	0.64%	—
Aditya Birla Sun Life Conservative Hybrid Fund Aditya Birla Sun Life · Direct · Growth	★★★★☆	+3.45%	+8.37%	+7.79%	—	0.96%	—

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 100% of the equity sleeve priced.

Large cap88.2%
Mid cap9.1%
Small cap2.6%

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Cash & Equivalents53.48%
Debt26.66%
Equity19.85%

Holds the same stocks as (by portfolio overlap, not by category)

Compare the top 3 →

Fund	Overlap	Rating	TER	3Y
Zerodha BSE SENSEX Index Fund Zerodha · Index Funds	57.7%	—	0.47%	—
Nippon India Index Fund - BSE Sensex Nippon India · Index Funds	57.7%	★★☆☆☆	0.21%	+4.26%
HDFC BSE Sensex Index Fund HDFC · Index Funds	57.7%	★★☆☆☆	0.22%	+4.25%
Tata BSE Sensex Index Fund Tata · Index Funds	57.7%	★★☆☆☆	0.33%	+4.15%
UTI BSE Sensex Index Fund UTI · Index Funds	57.7%	★★☆☆☆	0.23%	+4.27%
SBI BSE Sensex Index Fund SBI · Index Funds	57.7%	★☆☆☆☆	0.24%	+4.20%
Navi BSE Sensex Index Fund Navi · Index Funds	57.7%	★☆☆☆☆	0.50%	+4.20%
UTI BSE Sensex ETF UTI · Equity ETF	57.7%	★★★☆☆	—	+4.46%

Overlap is the share of each fund's equity book invested in the same stocks, by weight, across the Direct-plan universe — so a fund that is only part equity is labelled as such. ! marks a pair holding more in common than nine pairs in ten of its type, where that type has a measured distribution.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-12.6%03 Jun 2019 → 23 Mar 2020
Fell over 10 months, back to the old high on 21 Jul 2020 — 4 months under water after the low.
-10.4%20 May 2013 → 19 Aug 2013
Fell over 3 months, back to the old high on 28 Mar 2014 — 7 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹16.06Cr

April - June 2026

-18%

since January - March 2026

−₹3.08Cr

est. net flow, last quarter

Down +18% from its peak of ₹19.55Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.

AMC Profile

Sundaram Mutual Fund is run by Sundaram Asset Management, part of the Chennai-based Sundaram Finance group, and has been in business since 1996. It absorbed Principal Mutual Fund's schemes in 2021 and has a long-standing small- and mid-cap franchise.

Launched

25 Feb 1996

Total AUM

₹76,929Cr+2.7% QoQ

Avg AUM · April - June 2026

Website

sundarammutual.com

Fund Managers

KRKumaresh RamakrishnanManaging since 20 Jul 2010

Role

Credit & Fund Manager Sr.Manager

Education

M.B.A – Finance and BE

Experience

• 2022 - 2025 - Credit Consultant - Sundaram Asset Management Company Limited • 2016 -2021 - CIO - Fixed Income - PGIM India Asset Management • 2015- Till Date - MIS, Data analysis, Client

Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

Explore from here

Top holdings

Bharti Airtel Ltd Reliance Industries Ltd HDFC Bank Ltd State Bank of India ICICI Bank Ltd Infosys Ltd HCL Technologies Ltd Bajaj Auto Ltd Tech Mahindra Ltd Axis Bank Ltd Ultratech Cement Ltd Kotak Mahindra Bank Ltd

Sundaram in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Conservative Hybrid funds

Conservative hybrid funds keep most of the portfolio (75–90%) in debt with a small equity slice. They aim for steadier returns than equity with a little extra growth over pure debt.

Frequently asked questions

What is the NAV of Sundaram Conservative Hybrid Fund?

As of 05 Oct 2026, the NAV of Sundaram Conservative Hybrid Fund is ₹32.26 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Sundaram Conservative Hybrid Fund delivered?

Sundaram Conservative Hybrid Fund has returned -0.96% over 1 year, +5.09% per year over 3 years, +5.08% per year over 5 years and +7.47% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund charges an expense ratio of 1.13% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund's largest holdings are 6.36% Central Government Securities 16/02/2031 (21.0%), BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 (5.2%), Bharti Airtel Ltd (2.3%), Reliance Industries Ltd (2.0%) and HDFC Bank Ltd (1.9%). Holdings are disclosed monthly and change over time.

How risky is Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund is rated moderately high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.4% and its worst peak-to-trough fall in our sample was -12.6%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -0.41 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Sundaram Conservative Hybrid Fund's -0.41 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund is benchmarked against the CRISIL Hybrid 85+15 - Conservative Index. Its alpha and beta on this page are measured against that index.

Who manages Sundaram Conservative Hybrid Fund?

Sundaram Conservative Hybrid Fund is managed by Kumaresh Ramakrishnan at Sundaram.

How is Sundaram Conservative Hybrid Fund taxed?

Sundaram Conservative Hybrid Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.