Should I invest in Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst?

We don't give personal investment advice. Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst 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: 3.9%. 5-year CAGR: -0.43%.

Sundaram BNP Paribas

Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst

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	39 / 84	Q2
1W	+0.07%	-3.52%	+3.59	30 / 84	Q2
2W	-0.13%	-3.50%	+3.37	75 / 84	Q4
1M	+0.01%	-6.74%	+6.76	46 / 87	Q3
3M	+0.03%	-6.22%	+6.25	40 / 86	Q2
6M	0.00%	-6.43%	+6.42	59 / 84	Q3
YTD	+0.16%	-6.15%	+6.31	35 / 85	Q2
1Y	+0.16%	-5.38%	+5.55	34 / 84	Q2
2Y	-1.53%	-6.52%	+5.00	74 / 86	Q4
3Y	-0.92%	-6.38%	+5.46	74 / 85	Q4
4Y	-0.60%	-7.58%	+6.98	64 / 74	Q4
5Y	-0.43%	-4.41%	+3.98	53 / 61	Q4
7Y	-0.31%	+0.51%	-0.81	47 / 50	Q4
10Y	-0.02%	+0.08%	-0.10	43 / 47	Q4
Inception	+0.12%	-6.05%	+6.17	50 / 88	Q3

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	+0.16%	+0.65%	-0.49	3 / 10
2020	-3.19%	+1.38%	-4.57	22 / 22
2019	+0.29%	+2.92%	-2.63	17 / 24
2018	+0.36%	+1.53%	-1.18	17 / 32
2017	+0.23%	+2.08%	-1.85	19 / 40
2016	+0.31%	+2.54%	-2.23	25 / 49
2015	+0.26%	+2.88%	-2.62	24 / 50
2014	+0.23%	+2.21%	-1.98	19 / 50
2013	+0.82%	+2.22%	-1.40	23 / 51
2012	+0.16%	+2.94%	-2.78	35 / 58
2011	+0.83%	-4.13%	+4.95	26 / 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

+0.11%

180 windows

min -3.3% · max 1.1%

87% positive

3-Year rolling

+0.15%

156 windows

min -0.9% · max 0.6%

85% positive

5-Year rolling

+0.21%

132 windows

min -0.5% · max 0.5%

83% positive

7-Year rolling

+0.23%

107 windows

min -0.3% · max 0.4%

79% 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

2.26%

3-year · annualised

Sharpe ratio

-3.27

vs risk-free 6.5%

Sortino ratio

-3.37

Downside-only deviation

Max drawdown

-3.89%

May 2019 → Mar 2020

% positive months

63.9%

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	₹10.2910
30 Dec 2021	₹10.2899
29 Dec 2021	₹10.2889
28 Dec 2021	₹10.2878
27 Dec 2021	₹10.2869
26 Dec 2021	₹10.2856
24 Dec 2021	₹10.2837
23 Dec 2021	₹10.2824
22 Dec 2021	₹10.2813
21 Dec 2021	₹10.2803

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-Monthly Div. Reinvst 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-Monthly Div. Reinvst 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-Monthly Div. Reinvst 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-Monthly Div. Reinvst has delivered a absolute return of 0.16% — +5.55 pp ahead of the Liquid category average of -5.38%. The fund ranks #34 of 84 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst has delivered a CAGR of -0.92% — +5.46 pp ahead of the Liquid category average of -6.38%. The fund ranks #74 of 85 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst has delivered a CAGR of -0.43% — +3.98 pp ahead of the Liquid category average of -4.41%. The fund ranks #53 of 61 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst exactly 10 years ago would be worth approximately ₹99,755 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.02%. 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-Monthly Div. Reinvst over the last 5 years — total invested ₹600,000 — would be worth ₹589,739 today. That's an XIRR (money-weighted annualised return) of -0.68%.

A ₹10,000 monthly SIP for 10 years in Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst = ₹1,200,000 invested. It would currently be worth ₹1,180,034 (multiplier 0.98×). XIRR: -0.33%. 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-Monthly Div. Reinvst ranks #53 out of 61 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -4.41%; this fund delivered -0.43%.

The worst peak-to-trough decline Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst has experienced over the last 5-year window is 3.89% — its NAV fell from a high on 31 May 2019 to a low on 01 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-Monthly Div. Reinvst averaged 0.21% (best 0.50%, worst -0.55%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -3.69 — negative risk-adjusted performance.

In calendar year 2020, Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst returned -3.19% — lagging the Liquid category average of 1.38% by 4.57 pp. It ranked #22 of 22 in its category that year.

Sundaram BNP Paribas Money Fund-Monthly Div. Reinvst 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-Monthly Div. Reinvst 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: 3.9%. 5-year CAGR: -0.43%.

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