Sundaram Consumption Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

Sundaram Consumption Fund Direct Growth Plan had a NAV of ₹104.7632 as of 09 Sep 2026 and an AUM of ₹1,494 Cr. Its 1-year, 3-year and 5-year returns are -5.92%, 9.29% and 11.2%, and the fund sits in the High Risk bucket.

Our view is that this is a consumption-focused equity fund that can suit investors who can tolerate sharp swings and want exposure beyond the broad benchmark. The longer-term return pattern is better than the latest 1-year number, but the recent stretch has been uneven, so patience and a longer horizon matter.

Quick facts

Particular	Details
NAV	₹104.7632 as of 09 Sep 2026
AUM	₹1,494 Cr
Expense Ratio	1.31%
Launch Date	02 Jan 2013
Min SIP	₹100
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Equity
Exit Load	0.50% on or before 30D, Nil after 30D
Fund Managers	Anuj Bansal, Rohit Seksaria, Shalav Saket

The fund is managed by Anuj Bansal, Rohit Seksaria and Shalav Saket.

Source data date: as of 09 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-3.01%	-4.69%
3M	9.76%	0.93%
1Y	-5.92%	-7.16%
3Y	9.29%	6%
5Y	11.2%	5.87%

The recent path has been choppy, but the fund has recovered well enough over the last three months to move back into positive territory. That matters because the 1-month return is still negative, yet the 3-month figure is comfortably ahead of the benchmark, which tells us the recent bounce has been stronger here than in the index.

Over 1 year, the fund still trails its own longer track because the return is negative, but it is less weak than the benchmark over the same period. That suggests the fund did not escape the broader drawdown, but it held up a little better than NIFTY 50 when conditions were softer.

The clearer picture comes from 3 years and 5 years, where the fund’s returns are above the benchmark on both counts. Our read is that the strategy has been more effective over a full market cycle than in the latest 12 months, which is why the short-term patchiness should not be read in isolation.

The pattern of the return path also points to a fund that can move around meaningfully before it settles into a longer compounding trend. For investors, that means the main question is not whether the fund can outperform every quarter, but whether they can stay invested through uneven phases long enough for the longer track to matter.

Source data date: as of 09 Sep 2026

Should you BUY or HOLD Sundaram Consumption?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.

Already holding Sundaram Consumption? Thinking of investing now?

Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium

Peer comparison

Fund	1Y return	3Y return	5Y return
Sundaram Consumption Fund Direct Growth Plan	-5.92%	9.29%	11.2%
ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan	71.49%	36.55%	Data not available
Motilal Oswal Active Momentum Fund Direct Growth Plan	30.08%	Data not available	Data not available
Kotak Healthcare Fund Direct Growth Plan	28.85%	Data not available	Data not available
HDFC Pharma and Healthcare Fund Direct Growth Plan	28.6%	Data not available	Data not available
PGIM India Healthcare Fund Direct Growth Plan	27.47%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.

The near-term comparison is uncomfortable for the fund because the peer set has posted much stronger 1-year outcomes, while this fund is still negative over the same period. That said, the longer-term numbers paint a different picture: the fund’s 3-year and 5-year returns are positive and are stronger than the benchmark, which is more encouraging than the short-term reading.

Among the available peer figures, the current fund also looks weaker on 1-year return than all five named peers. The key difference is that several peers do not have usable 3-year or 5-year figures here, so the longer-horizon comparison is more limited. Even so, the fund’s own 3-year and 5-year record suggests a more balanced, cycle-aware case than the recent 12-month result implies.

Source data date: as of 09 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
Bharti Airtel Ltd	Telecom	8.76%
Eternal Ltd (Previously Zomato Ltd)	Retailing	8.63%
Mahindra & Mahindra Ltd	Automobile & Ancillaries	7.66%
TREPS	Cash & Cash Equivalents and Net Assets	6.51%
Apollo Hospitals Enterprise Ltd	Healthcare	5.14%
Titan Company Ltd	Diamond & Jewellery	4.78%
TVS Motor Company Ltd	Automobile & Ancillaries	4.56%
Nestle India Ltd	FMCG	4.36%
Interglobe Aviation Ltd	Aviation	3.91%
S.J.S. Enterprises Ltd	Automobile & Ancillaries	3.76%

The largest holding, Bharti Airtel Ltd, is 8.76%, which is large enough to matter but not so large that the portfolio depends on one name alone. The tenth holding is still 3.76%, so the weight drop from first to tenth is present, but it is not a cliff.

The top ten holdings together account for approximately 58.07% of the portfolio, while the scheme discloses 34 holdings in total. That tells us the fund is meaningfully tilted toward a core list of positions, yet it still leaves room for a longer tail of smaller holdings.

For an investor, that mix may create a portfolio where the biggest consumer and consumption-linked ideas can have greater influence on returns, but no single name dominates the whole structure. The holding list also spans telecom, retailing, automobiles, healthcare, jewellery, aviation and FMCG, which may help the fund express a broad consumption theme through several business lines rather than a single sector bet.

To see all holdings, visit the Sundaram Consumption Fund Direct Growth Plan page

Source data date: as of 09 Sep 2026

Who should invest

This fund is better suited to investors who are comfortable with High Risk equity exposure and who can hold through uneven one-year results. The longer 3-year and 5-year record is more constructive than the latest 12-month number, so the investment case needs time to play out.

The benchmark comparison also shows that the fund can lag in weaker stretches and then recover more strongly over longer windows. In our view, that makes it more appropriate for a multi-year horizon rather than for investors who want a steady short-term outcome.

The main trade-off is that the fund may offer stronger participation in consumption-led growth over time, but the journey can be volatile and the short-term path may not always look smooth. That is the price of owning a more active, theme-driven equity portfolio.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load: 0.50% on or before 30D, Nil after 30D.

Source data date: as of 09 Sep 2026

Frequently asked questions

What is the current NAV of Sundaram Consumption Fund Direct Growth Plan?

The current NAV is ₹104.7632 as of 09 Sep 2026.

How has Sundaram Consumption Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?

Its 1-year return is -5.92%, its 3-year return is 9.29% and its 5-year return is 11.2%.

How does the fund compare with NIFTY 50?

The fund is ahead of NIFTY 50 over 3 years and 5 years, and it is also less weak over 1 year. The 3-month return is notably stronger than the benchmark as well.

How does it compare with the named peer funds on 1-year return?

The fund’s 1-year return of -5.92% is below each of the five named peers, all of which show positive 1-year figures. The gap is especially wide versus ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan at 71.49%.

Is there a minimum SIP amount?

The fund allows SIP investment, but no minimum SIP amount is stated here.

Who manages the fund and what is the exit load?

The fund is managed by Anuj Bansal, Rohit Seksaria and Shalav Saket. The exit load is 0.50% on or before 30D and nil after 30D.

Bottom line

Sundaram Consumption Fund Direct Growth Plan has a weaker recent 1-year picture than its longer track, but the 3-year and 5-year returns are more constructive and sit above the benchmark. Against the listed peers, the latest 1-year number is softer, yet the longer-term pattern is more consistent with a fund that needs time to show its edge. The portfolio is fairly concentrated in its leading holdings, which can amplify outcomes in either direction. For investors who can tolerate High Risk and stay invested through volatility, it may fit a multi-year allocation to consumption-led equity exposure.

Published on 10 September 2026 at 2:11 PM IST

Explore mutual funds with Univest

Review mutual fund data, compare performance and explore fund insights on Univest.

Explore Univest

RIA disclosure

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.