Should I invest in Sundaram Services Fund Direct Plan?

We don't give personal investment advice. Sundaram Services Fund Direct Plan - Growth 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 lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.4%. 5-year CAGR: 16.04%.

Sundaram

Sundaram Services Fund Direct Plan - Growth

Latest NAV

₹39.9664

As of

17 Jul 2026

1,920 NAV records on file

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.

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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	+0.13%	-0.05%	+0.18	115 / 258	Q2
1W	-0.14%	-0.18%	+0.04	123 / 258	Q2
2W	+1.39%	-0.17%	+1.56	27 / 259	Q1
1M	+4.45%	+1.63%	+2.82	36 / 259	Q1
3M	+7.91%	+4.83%	+3.08	67 / 259	Q2
6M	+2.46%	+4.61%	-2.15	134 / 250	Q3
YTD	+0.80%	+2.98%	-2.18	139 / 247	Q3
1Y	+3.84%	+5.46%	-1.61	127 / 235	Q3
2Y	+9.06%	+4.09%	+4.97	43 / 187	Q1
3Y	+16.19%	+15.93%	+0.27	77 / 148	Q3
4Y	+18.41%	+17.58%	+0.82	64 / 121	Q3
5Y	+16.04%	+13.72%	+2.32	36 / 110	Q2
7Y	+20.17%	+17.79%	+2.38	31 / 91	Q2
10Y	—	—	—	—	—
Inception	+19.37%	+12.07%	+7.30	41 / 259	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
2026 YTD	+0.80%	+3.40%	-2.60	138 / 244
2025	+11.12%	+4.41%	+6.71	50 / 208
2024	+19.20%	+23.18%	-3.98	101 / 155
2023	+29.22%	+33.51%	-4.29	76 / 127
2022	+4.65%	+4.32%	+0.32	62 / 116
2021	+46.34%	+34.43%	+11.91	26 / 104
2020	+16.72%	+21.19%	-4.48	42 / 94
2019	+22.24%	+9.30%	+12.94	11 / 85
2018	—	—	—	—

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

+22.20%

84 windows

min -15.3% · max 80.5%

93% positive

3-Year rolling

+23.15%

59 windows

min 15.6% · max 34.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+23.11%

35 windows

min 16.0% · max 30.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+20.10%

11 windows

min 17.5% · max 21.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

14.71%

3-year · annualised

Sharpe ratio

0.65

vs risk-free 6.5%

Sortino ratio

1.12

Downside-only deviation

Max drawdown

-17.22%

Jan 2026 → Mar 2026

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹39.9664
16 Jul 2026	₹39.9134
15 Jul 2026	₹40.0895
14 Jul 2026	₹39.8605
13 Jul 2026	₹40.0614
10 Jul 2026	₹40.0238
9 Jul 2026	₹39.5630
8 Jul 2026	₹39.0165
7 Jul 2026	₹39.7908
6 Jul 2026	₹39.5838

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 17 Jul 2026, the NAV of Sundaram Services Fund Direct Plan - Growth is ₹39.9664. It's a Sectoral/Thematic Fund from Sundaram, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Sundaram Services Fund Direct Plan - Growth has NAV history starting from 25 Sep 2018, a track record of about 7 years 9 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Sundaram Services Fund Direct Plan - Growth is managed by Sundaram. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Sundaram Services Fund Direct Plan - Growth has delivered a absolute return of 3.84% — -1.61 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #127 of 235 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Sundaram Services Fund Direct Plan - Growth has delivered a CAGR of 16.19% — +0.27 pp ahead of the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #77 of 148 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Sundaram Services Fund Direct Plan - Growth has delivered a CAGR of 16.04% — +2.32 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #36 of 110 in its category — the second (Q2) quartile.

₹1 lakh invested in Sundaram Services Fund Direct Plan - Growth exactly 5 years ago would be worth approximately ₹210,438 today — a multiplier of 2.10×, based on the 5-year CAGR of 16.04%. The category average over the same window would have grown ₹1 lakh to ₹190,217.

A ₹10,000 monthly SIP in Sundaram Services Fund Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹874,892 today. That's an XIRR (money-weighted annualised return) of 15.07%.

Sundaram Services Fund Direct Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,643,609 — XIRR 18.83%.

On a 5-year basis, Sundaram Services Fund Direct Plan - Growth ranks #36 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 13.72%; this fund delivered 16.04%.

The worst peak-to-trough decline Sundaram Services Fund Direct Plan - Growth has experienced over the last 5-year window is 17.36% — its NAV fell from a high on 15 Nov 2021 to a low on 20 Jun 2022. 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 Services Fund Direct Plan - Growth averaged 23.11% (best 30.85%, worst 16.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.62 — reasonable risk-adjusted performance.

In calendar year 2025, Sundaram Services Fund Direct Plan - Growth returned 11.12% — beating the Sectoral/Thematic Fund category average of 4.41% by 6.71 pp. It ranked #50 of 208 in its category that year.

Sundaram Services Fund Direct Plan - Growth 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 Services Fund Direct Plan - Growth 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

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.4%. 5-year CAGR: 16.04%.

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

Sundaram Services Fund Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

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