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

Sundaram Value Fund Direct Growth Plan has a NAV of ₹221.1842 as of 09 Sep 2026 and an AUM of ₹1,302 Cr. Its 1-year, 3-year and 5-year returns are -5.3%, 6.25% and 7.73%, and it sits in the High Risk category.

Our view is that this is a fund for investors who can handle a choppier path and are comfortable waiting through periods of underperformance. The return record is mixed versus Nifty 50 in the shorter run, but the 3-year and 5-year numbers show a steadier longer-term shape, with a portfolio that leans meaningfully toward banks and other large listed businesses.

Quick facts

Particular	Details
NAV	₹221.1842 as of 09 Sep 2026
AUM	₹1,302 Cr
Expense Ratio	1.74%
Launch Date	02 Jan 2013
Min SIP	₹250
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Equity
Exit Load	1% on or before 365D, Nil after 365D
Fund Managers	S. Bharath, Siddarth Mohta, Sandeep Agarwal, Shalav Saket

The fund is managed by S. Bharath, Siddarth Mohta, Sandeep Agarwal, and Shalav Saket.

Source data date: as of 09 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-3.41%	-4.69%
3M	2.33%	0.93%
1Y	-5.3%	-7.16%
3Y	6.25%	6%
5Y	7.73%	5.87%

The recent pattern is uneven, but not directionless. The fund fell less than the benchmark over 1 month and 1 year, which tells us downside capture has been better than the index in those windows. Over 3 months, it also moved ahead of Nifty 50, so the short-term tone has improved after a weaker stretch.

The longer picture is more constructive. The 3-year return is slightly ahead of the benchmark, and the 5-year return is also higher, which suggests the strategy has created value over a fuller cycle rather than only in brief rallies. That matters because the 1-year figure is still negative, so the experience has not been smooth in the near term.

We also see a pronounced swing between periods in the fund’s recent path, which points to moderate to high volatility in outcomes. For investors, that usually means the fund may need patience and a willingness to hold through phases when the gap versus the benchmark narrows or turns negative.

Overall, the longer-term compounding pattern is better than the latest 12 months, and that split is important. The fund has not delivered a clean, straight-line track record, but the 3-year and 5-year numbers support a case that it can hold up reasonably well when judged across more than one market phase.

Source data date: as of 09 Sep 2026

Should you BUY or HOLD Sundaram Value?

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.

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Peer comparison

Fund	1Y return	3Y return	5Y return
Sundaram Value Fund Direct Growth Plan	-5.3%	6.25%	7.73%
Motilal Oswal ELSS Tax Saver Fund Direct Growth Plan	15.62%	22.46%	17.66%
Quant ELSS Tax Saver Fund Direct Growth Plan	15.48%	14.66%	15.71%
JM ELSS-Tax Saver Fund Direct Growth Plan	9.59%	16.11%	14.7%
Sundaram LT Micro Cap Tax Adv Fund-Sr IV- Direct Growth Plan	8.53%	11.5%	15.93%
ITI ELSS Tax Saver Fund Direct Growth Plan	7.64%	17.03%	13.34%

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

The fund’s 1-year return is weaker than all five peer funds shown here, while its 3-year and 5-year figures are also below the stronger long-term peer numbers available in the set. That said, its own 3-year and 5-year returns do show a clear improvement over the 1-year result, so the short-term and longer-term stories do not point in the same direction.

In practical terms, that means the fund has a more subdued recent record than these peers, but its mid-cycle and longer-cycle numbers are still usable for a value-oriented equity investor. The comparison suggests the fund has been steadier over longer horizons than over the past year, even though several peers have combined stronger short-term momentum with stronger multi-year compounding.

Source data date: as of 09 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
HDFC Bank Ltd	Bank	6.89%
ICICI Bank Ltd	Bank	5.83%
Reliance Industries Ltd	Crude Oil	5.32%
Axis Bank Ltd	Bank	4.72%
Kirloskar Oil Engines Ltd	Automobile & Ancillaries	4.2%
State Bank of India	Bank	4.18%
Bharti Airtel Ltd	Telecom	3.56%
Infosys Ltd	IT	3.47%
NTPC Ltd	Power	3.24%
Larsen & Toubro Ltd	Infrastructure	3.02%

The largest holding, HDFC Bank Ltd, carries a weight of 6.89%, so no single position dominates the portfolio on its own. The gap between the first and tenth holding is also fairly contained, as the tenth position still stands at 3.02%, which suggests the portfolio’s visible core is built around a cluster of sizable positions rather than one outsized bet.

The top 10 holdings account for approximately 44.43% of the portfolio, which implies the remaining 55.57% sits across a longer tail of positions. With 48 total holdings disclosed, the fund may spread risk more broadly than a very concentrated portfolio, even though banks remain prominent among the larger positions.

That mix could make performance more dependent on how several major holdings behave together, rather than on just one stock. It also means changes in a few large positions may matter more than moves in the smaller tail, but the breadth across 48 holdings should help avoid extreme single-name dependence.

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

Source data date: as of 09 Sep 2026

Who should invest

This fund suits investors who are comfortable with High Risk equity exposure and can stay invested for a long horizon. The 1-year decline shows that returns can remain weak in the near term, while the 3-year and 5-year results indicate that patience has mattered more than short bursts of performance.

The main trade-off is clear: you get access to a diversified equity portfolio with a meaningful bank tilt and a longer-term return profile that has held above the benchmark over 3 years and 5 years, but you also accept short-term swings and periods when the fund can lag. That makes it better suited to investors who can tolerate uneven outcomes while waiting for the broader value style to work through the cycle.

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: 1% if units are sold on or before 365 days; nil after 365 days.

Source data date: as of 09 Sep 2026

Frequently asked questions

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

The current NAV is ₹221.1842 as of 09 Sep 2026.

What are the fund’s 1-year, 3-year and 5-year returns?

Its 1-year return is -5.3%, its 3-year return is 6.25% and its 5-year return is 7.73%.

How does the fund compare with Nifty 50?

It has been ahead of Nifty 50 over 3 years and 5 years, while also losing less than the benchmark over 1 month and 1 year. Over 3 months, it is also ahead of the benchmark.

How does it compare with the peer funds listed here?

Its 1-year return is weaker than the peer funds shown here, while its 3-year and 5-year returns are also below several of the stronger peer figures available in this set.

What is the minimum SIP amount?

The minimum SIP amount is ₹250.

Who manages the fund and what is its exit load?

The fund is managed by S. Bharath, Siddarth Mohta, Sandeep Agarwal and Shalav Saket. The exit load is 1% if units are sold on or before 365 days, and nil after 365 days.

Bottom line

Sundaram Value Fund Direct Growth Plan looks uneven in the near term but more settled over longer holding periods. Its recent 1-year result is weak, yet the 3-year and 5-year figures are better than the benchmark, which suggests the long-term picture is more usable than the latest year alone. The portfolio is fairly broad across 48 holdings, with banks taking a notable share of the top positions. That profile suits investors who can accept High Risk equity volatility and wait for a longer cycle to play out.

Published on 10 September 2026 at 1:59 PM IST

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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.