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    Sundaram Diversified Equity

Benefits of ELSS

Equity Linked Savings Schemes (ELSS) or tax-saving mutual funds (a product under Section 80C of the Income Tax Act, 1961) allow you to claim tax exemptions on investments up to ₹1.5 lakh.

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Earn potentially higher returns with exposure to equity markets.

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Shortest lock-in of 3 years compared to PPF (15 years), NPS (until age 60), tax-saving FDs (5 years)

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Tax-free capital gains up to ₹1 lakh. Gains above this are taxed at 10%.

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Minimum investment of ₹500, no maximum limit

Sundaram Diversified Equity (ELSS) is a diversified multi-cap fund with 30-50% investments in large caps. It has delivered 16.7% annualised returns since inception.

Performance comparison with benchmark

Returns Fund (%) Benchmark S&P BSE 200 (TRI) (%) Additional Benchmark Nifty 50 (TRI) (%)
Last 1 year (8.9) 0.7 4.3
Last 3 year 15.5 17.2 17.2
Last 5 year 14.7 14.4 12.9
Since Inception@ 16.5 13.0 12.7

₹10,000 invested

Returns Fund (₹) Benchmark S&P BSE 200 (TRI) (₹) Additional Benchmark Nifty 50 (TRI) (₹)
Last 1 year 9,110 10,067 10,432
Last 3 year 15,370 16,049 16,002
Last 5 year 19,816 19,556 18,317
Since Inception@ 1,88,450 1,05,913 99,765

@As TRI (Total Return Index) data is not available since inception of the scheme, benchmark performance is calculated using composite CAGR of PRI (Price Return Index) values from fund’s inception till TRI inception date and TRI values since the inception of Total Return index as per SEBI regulations. Click here to view all performance disclosures.

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Sundaram Diversified Equity has delivered ₹32,44,039 more than PPF in the last 15 years

Period Amount Invested every year (₹) Total Investment PPF Investments Sundaram Diversified Equity Valuations (₹)
Interest (%) Valuation (₹)
31-Mar-03 70,000 70,000 8.00 70,000 70,000
31-Mar-04 70,000 1,40,000 8.00 1,45,600 2,03,928
31-Mar-05 70,000 2,10,000 8.00 2,27,248 4,02,685
31-Mar-06 70,000 2,80,000 8.00 3,15,428 8,34,030
31-Mar-07 70,000 3,50,000 8.00 4,10,662 9,39,506
31-Mar-08 1,00,000 4,50,000 8.00 5,43,515 12,96,504
31-Mar-09 1,00,000 5,50,000 8.00 6,86,996 9,81,256
31-Mar-10 1,00,000 6,50,000 8.00 8,41,956 18,82,325
31-Mar-11 1,00,000 7,50,000 8.00 10,09,312 20,79,559
31-Mar-12 1,00,000 8,50,000 8.60 11,96,113 21,16,764
31-Mar-13 1,00,000 9,50,000 8.80 14,01,371 23,60,131
31-Mar-14 1,00,000 10,50,000 8.70 16,23,291 28,04,353
31-Mar-15 1,50,000 12,00,000 8.70 19,14,517 41,67,797
31-Mar-16 1,50,000 13,50,000 8.70 22,31,080 41,02,669
31-Mar-17 1,50,000 15,00,000 8.00 25,59,566 54,47,702
31-Mar-18 1,50,000 16,50,000 7.80 29,09,212 61,53,251

Past performance may or may not be sustained in future. The example provided in the above table (Sundaram Diversified Equity vs. PPF) is to enable the investor to understand and make an informed decision. This should not be construed as a promise or guarantee of minimum returns and safety of capital. PPF is a government backed, safe product with guaranteed returns. Returns are on a compounded annual basis for period more than one year and absolute for one-year period and are computed using the NAV of Regular Plan-Growth Option for Sundaram Diversified Equity. Tax benefit has not been considered for the computation of both products. Also, LTCG from ELSS are subject to 10% tax for gains above ₹1 lakh, wheras PPF gains are tax-free. The assumption is the investor has not redeemed investment since March 2003. Inception date of Sundaram Diversified Equity is November 22, 1999.

Scheme Summary
Scheme Type An open ended equity linked savings scheme with a statutory lock-in of 3 years and tax benefit
Benchmark S&P BSE 200 Index (TRI)
Fund Manager S Krishnakumar
Plans Regular & Direct
Options Growth, Dividend (Payout & Sweep)
Min. Initial Investment ₹ 500
SIP/STP Weekly ₹1,000; Monthly ₹250; Quarterly ₹750.
Entry Load NIL
Exit Load Nil (3 year lock-in period)

Product Suitability

Riskometer

#Tax saving has been calculated for the highest tax bracket for FY19 on a maximum investment of ₹1.5 lakhs under Section 80C.

Consult your financial advisor or
reach us at 1860 425 7237

customerservices@sundarammutual.com

Mutual fund investments are subject to market risks, read all scheme related documents carefully.