Sundaram
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW)
Latest NAV
₹24.9648
As of
27 Jun 2025
859 NAV records on file
Category
Equity Savings Fund
Plan type
Dividend
Structure
Close-ended
AMFI Scheme Code
149678
ISIN (Growth)
INF173K01HF9
ISIN (Dividend)
INF173K01HG7
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
No matches.
Compares up to 8 funds. Click any line in the legend above to hide/show it.
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 | +0.19% | +7.25% | -7.06 | 4 / 52 | Q1 |
| 1W | +0.88% | +6.89% | -6.01 | 7 / 52 | Q1 |
| 2W | +1.45% | +7.13% | -5.69 | 4 / 52 | Q1 |
| 1M | +0.05% | +7.13% | -7.08 | 12 / 51 | Q1 |
| 3M | +3.74% | +6.63% | -2.89 | 6 / 51 | Q1 |
| 6M | +1.85% | +6.00% | -4.15 | 10 / 51 | Q1 |
| YTD | +1.65% | +5.72% | -4.07 | 10 / 51 | Q1 |
| 1Y | +3.24% | +8.33% | -5.09 | 17 / 50 | Q2 |
| 2Y | +8.04% | +5.55% | +2.49 | 9 / 50 | Q1 |
| 3Y | +7.55% | +6.83% | +0.71 | 19 / 48 | Q2 |
| 4Y | — | — | — | — | — |
| 5Y | — | — | — | — | — |
| 7Y | — | — | — | — | — |
| 10Y | — | — | — | — | — |
| Inception | +5.20% | +5.77% | -0.57 | 25 / 50 | Q2 |
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 |
|---|---|---|---|---|
| 2025 YTD | +1.65% | +10.59% | -8.94 | 29 / 45 |
| 2024 | +7.25% | +7.51% | -0.25 | 27 / 45 |
| 2023 | +8.79% | +8.56% | +0.23 | 18 / 43 |
| 2022 | -0.21% | +0.43% | -0.64 | 28 / 43 |
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
+6.98%
31 windows
min -2.1% · max 15.4%
87% positive
Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.
3-Year rolling
+5.92%
7 windows
min 4.9% · max 7.5%
100% positive
Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.
5-Year rolling
—
Insufficient history
7-Year rolling
—
Insufficient history
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
6.58%
3-year · annualised
Sharpe ratio
0.16
vs risk-free 6.5%
Sortino ratio
0.28
Downside-only deviation
Max drawdown
-7.37%
Dec 2022 → Mar 2023
% positive months
69.4%
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.
Peers in Equity Savings Fund
Recent NAVs
| Date | NAV |
|---|---|
| 27 Jun 2025 | ₹24.9648 |
| 26 Jun 2025 | ₹24.9174 |
| 25 Jun 2025 | ₹24.8271 |
| 24 Jun 2025 | ₹24.7576 |
| 23 Jun 2025 | ₹24.6994 |
| 20 Jun 2025 | ₹24.7469 |
| 19 Jun 2025 | ₹24.6229 |
| 18 Jun 2025 | ₹24.6659 |
| 17 Jun 2025 | ₹24.6776 |
| 16 Jun 2025 | ₹24.6892 |
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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.
As of 27 Jun 2025, the NAV of Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) is ₹24.9648. It's a Equity Savings Fund from Sundaram, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) has NAV history starting from 03 Jan 2022, a track record of about 4 years 5 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) is managed by Sundaram. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.
Over the trailing 1-year window, Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) has delivered a absolute return of 3.24% — -5.09 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #17 of 50 in its category — the second (Q2) quartile.
Over the trailing 3-year window, Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) has delivered a CAGR of 7.55% — +0.71 pp ahead of the Equity Savings Fund category average of 6.83%. The fund ranks #19 of 48 in its category — the second (Q2) quartile.
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.
₹1 lakh invested in Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) exactly 3 years ago would be worth approximately ₹124,392 today — a multiplier of 1.24×, based on the 3-year CAGR of 7.55%. The category average over the same window would have grown ₹1 lakh to ₹121,933.
A ₹10,000 monthly SIP in Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) over the last 3 years — total invested ₹360,000 — would be worth ₹398,320 today. That's an XIRR (money-weighted annualised return) of 6.67%.
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹398,320 — XIRR 6.67%.
On a 3-year basis, Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) ranks #19 out of 48 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.83%; this fund delivered 7.55%.
The worst peak-to-trough decline Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) has experienced over the last 3-year window is 7.37% — its NAV fell from a high on 14 Dec 2022 to a low on 28 Mar 2023. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.
Across all 3-year rolling windows, Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) averaged 5.92% (best 7.55%, worst 4.92%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.16 — weak risk-adjusted performance.
In calendar year 2024, Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) returned 7.25% — lagging the Equity Savings Fund category average of 7.51% by 0.25 pp. It ranked #27 of 45 in its category that year.
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.
We don't give personal investment advice. Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option (IDCW) is suitable for an investor whose:
- time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
- risk tolerance accepts seeing the portfolio fall sharply without panic-selling
- goal isn't capital preservation in the short term
Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.
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