Should I invest in Sundaram BNP Paribas Money Fund-Appreciation?

We don't give personal investment advice. Sundaram BNP Paribas Money Fund-Appreciation is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.1%. 5-year CAGR: 5.60%.

Sundaram BNP Paribas

Sundaram BNP Paribas Money Fund-Appreciation

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.01%	-3.56%	+3.57	38 / 84	Q2
1W	+0.07%	-3.52%	+3.59	29 / 84	Q2
2W	+0.14%	-3.50%	+3.64	20 / 84	Q1
1M	+0.28%	-6.74%	+7.03	19 / 87	Q1
3M	+0.84%	-6.22%	+7.06	30 / 86	Q2
6M	+1.66%	-6.43%	+8.08	27 / 84	Q2
YTD	+3.29%	-6.15%	+9.44	11 / 85	Q1
1Y	+3.29%	-5.38%	+8.68	27 / 84	Q2
2Y	+3.72%	-6.52%	+10.25	25 / 86	Q2
3Y	+4.67%	-6.38%	+11.05	23 / 85	Q2
4Y	+5.35%	-7.58%	+12.93	19 / 74	Q2
5Y	+5.60%	-4.41%	+10.01	14 / 61	Q1
7Y	+6.27%	+0.51%	+5.76	13 / 50	Q2
10Y	+6.99%	+0.08%	+6.91	11 / 47	Q1
Inception	+6.77%	-6.05%	+12.82	13 / 88	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2021 YTD	+3.29%	+0.65%	+2.64	1 / 10
2020	+4.15%	+1.38%	+2.77	3 / 22
2019	+6.59%	+2.92%	+3.67	1 / 24
2018	+7.37%	+1.53%	+5.84	1 / 32
2017	+6.61%	+2.08%	+4.53	4 / 40
2016	+7.57%	+2.54%	+5.03	8 / 49
2015	+8.30%	+2.88%	+5.42	7 / 50
2014	+9.06%	+2.21%	+6.85	6 / 50
2013	+9.24%	+2.22%	+7.02	6 / 51
2012	+7.75%	+2.94%	+4.81	17 / 58
2011	+7.22%	-4.13%	+11.35	15 / 67

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+6.90%

180 windows

min 3.2% · max 9.7%

100% positive

3-Year rolling

+7.07%

156 windows

min 4.7% · max 8.9%

100% positive

5-Year rolling

+7.23%

132 windows

min 5.6% · max 8.5%

100% positive

7-Year rolling

+7.40%

107 windows

min 6.3% · max 8.0%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.45%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.10%

Mar 2020 → Mar 2020

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
31 Dec 2021	₹41.3007
30 Dec 2021	₹41.2963
29 Dec 2021	₹41.2924
28 Dec 2021	₹41.2878
27 Dec 2021	₹41.2841
26 Dec 2021	₹41.2792
24 Dec 2021	₹41.2714
23 Dec 2021	₹41.2662
22 Dec 2021	₹41.2619
21 Dec 2021	₹41.2578

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Sundaram BNP Paribas Money Fund-Appreciation is a Liquid from Sundaram BNP Paribas (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Sundaram BNP Paribas Money Fund-Appreciation has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Sundaram BNP Paribas Money Fund-Appreciation is managed by Sundaram BNP Paribas. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Sundaram BNP Paribas Money Fund-Appreciation has delivered a absolute return of 3.29% — +8.68 pp ahead of the Liquid category average of -5.38%. The fund ranks #27 of 84 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Sundaram BNP Paribas Money Fund-Appreciation has delivered a CAGR of 4.67% — +11.05 pp ahead of the Liquid category average of -6.38%. The fund ranks #23 of 85 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Sundaram BNP Paribas Money Fund-Appreciation has delivered a CAGR of 5.60% — +10.01 pp ahead of the Liquid category average of -4.41%. The fund ranks #14 of 61 in its category — the top (Q1) quartile.

₹1 lakh invested in Sundaram BNP Paribas Money Fund-Appreciation exactly 10 years ago would be worth approximately ₹196,550 today — a multiplier of 1.97×, based on the 10-year CAGR of 6.99%. The category average over the same window would have grown ₹1 lakh to ₹100,791.

A ₹10,000 monthly SIP in Sundaram BNP Paribas Money Fund-Appreciation over the last 5 years — total invested ₹600,000 — would be worth ₹678,299 today. That's an XIRR (money-weighted annualised return) of 4.84%.

A ₹10,000 monthly SIP for 10 years in Sundaram BNP Paribas Money Fund-Appreciation = ₹1,200,000 invested. It would currently be worth ₹1,650,164 (multiplier 1.38×). XIRR: 6.20%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Sundaram BNP Paribas Money Fund-Appreciation ranks #14 out of 61 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -4.41%; this fund delivered 5.60%.

The worst peak-to-trough decline Sundaram BNP Paribas Money Fund-Appreciation has experienced over the last 5-year window is 0.10% — its NAV fell from a high on 17 Mar 2020 to a low on 24 Mar 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Sundaram BNP Paribas Money Fund-Appreciation averaged 7.23% (best 8.46%, worst 5.60%). 100% of rolling windows ended positive.

In calendar year 2020, Sundaram BNP Paribas Money Fund-Appreciation returned 4.15% — beating the Liquid category average of 1.38% by 2.77 pp. It ranked #3 of 22 in its category that year.

Sundaram BNP Paribas Money Fund-Appreciation is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Sundaram BNP Paribas Money Fund-Appreciation is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.1%. 5-year CAGR: 5.60%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Sundaram BNP Paribas Money Fund-Appreciation

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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