SBI Consumption Opportunities Fund: This fund has the highest 5-year XIRR at 29.13%, low volatility (standard deviation 12.87%), and is ideal for conservative growth-focused investors.
Nippon India Consumption Fund: This fund has a 5-year XIRR of 27.24%, a moderate risk profile, and a standard deviation of 14.21%, making it suitable for balanced investors.
Mirae Asset Great Consumer Fund: 5-year XIRR of 26.07%, moderate volatility with max drawdown of -10.05%, appeals to stability-seeking investors.
Tata India Consumer Fund: 5-year XIRR at 26.01%, moderate risk (Sharpe Ratio 0.77), fits investors comfortably with slightly higher volatility.
Canara Robeco Consumer Trends Fund: 5-year XIRR of 25.29%, balanced risk with standard deviation of 13.85%.
| Fund Name | 5Y XIRR | 5Y XIRR Percentile | 3Y XIRR | 3Y XIRR Percentile | 1Y XIRR | 1Y XIRR Percentile | 1Y Return | 3Y Return | 5Y Return |
|---|---|---|---|---|---|---|---|---|---|
| Sbi Consumption Opportunities Fund | 29.13 | 100.0 | 28.00 | 90.0 | 28.99 | 84.62 | 38.14 | 23.84 | 23.62 |
| Nippon India Consumption Fund | 27.24 | 90.0 | 26.24 | 50.0 | 22.24 | 7.69 | 36.84 | 20.81 | 24.42 |
| Mirae Asset Great Consumer Fund | 26.07 | 80.0 | 26.85 | 80.0 | 24.39 | 30.77 | 36.74 | 20.12 | 21.90 |
| Tata India Consumer Fund | 26.01 | 70.0 | 28.94 | 100.0 | 32.52 | 92.31 | 41.70 | 20.37 | 21.36 |
| Canara Robeco Consumer Trends Fund | 25.29 | 60.0 | 26.22 | 40.0 | 27.60 | 69.23 | 40.28 | 18.80 | 22.20 |
| Icici Prudential Bharat Consumption Fund | 24.93 | 50.0 | 26.48 | 60.0 | 23.18 | 15.38 | 36.11 | 20.52 | 19.91 |
| Mahindra Manulife Consumption Fund | 24.22 | 40.0 | 26.53 | 70.0 | 25.30 | 53.85 | 39.36 | 19.98 | 19.19 |
| Sundaram Consumption Fund | 23.14 | 30.0 | 25.34 | 30.0 | 24.69 | 38.46 | 31.84 | 18.26 | 18.76 |
| Aditya Birla Sun Life India Gennext Fund | 23.10 | 20.0 | 23.23 | 20.0 | 23.80 | 23.08 | 34.77 | 16.05 | 20.18 |
| Uti India Consumer Fund | 20.41 | 10.0 | 22.07 | 10.0 | 24.76 | 46.15 | 37.06 | 14.24 | 16.91 |
| Fund Name | Sharpe Ratio | Sortino Ratio | Treynor Ratio | Standard Deviation | Semi Deviation | Max Drawdown | Average Drawdown | VaR 1Y |
|---|---|---|---|---|---|---|---|---|
| Sbi Consumption Opportunities Fund | 1.15 | 0.59 | 0.20 | 12.87 | 9.31 | -7.71 | -3.50 | -12.91 |
| Nippon India Consumption Fund | 0.83 | 0.41 | 0.14 | 14.21 | 10.33 | -10.50 | -6.86 | -15.19 |
| Mirae Asset Great Consumer Fund | 0.75 | 0.39 | 0.12 | 14.50 | 10.03 | -10.05 | -5.85 | -13.21 |
| Tata India Consumer Fund | 0.77 | 0.42 | 0.12 | 14.63 | 9.95 | -11.82 | -4.86 | -16.34 |
| Canara Robeco Consumer Trends Fund | 0.71 | 0.40 | 52.23 | 13.85 | 9.18 | -11.42 | -4.15 | -14.13 |
| Icici Prudential Bharat Consumption Fund | 1.02 | 0.49 | 0.17 | 11.71 | 8.68 | -8.11 | -4.28 | -12.82 |
| Mahindra Manulife Consumption Fund | 0.78 | 0.39 | 0.12 | 13.55 | 9.58 | -9.03 | -5.16 | -14.33 |
| Sundaram Consumption Fund | 0.68 | 0.37 | 0.11 | 14.38 | 9.70 | -10.28 | -7.29 | -13.24 |
| Aditya Birla Sun Life India Gennext Fund | 0.54 | 0.29 | 0.08 | 13.74 | 9.49 | -11.52 | -4.05 | -14.03 |
| Uti India Consumer Fund | 0.43 | 0.23 | 0.07 | 14.35 | 9.99 | -12.25 | -5.92 | -15.47 |
Consumption funds invest in companies driven by consumer demand, such as retail, food, beverages, and other consumer goods. These funds are well-positioned to benefit from India’s rising consumer spending. In this analysis, we examine the top-performing consumption funds based on their 5-year XIRR, while factoring in risk metrics to ensure a balanced perspective.
The 5-year XIRR (Extended Internal Rate of Return) gives insight into a fund’s long-term performance. For consumption funds, a high 5-year XIRR indicates the fund’s ability to capitalize on steady consumer growth, making it attractive for growth-focused investors.
SBI Consumption Opportunities Fund ranks at the top with a 5-year XIRR of 29.13%. The fund’s strong performance is supported by a Sharpe Ratio of 1.15, reflecting efficient risk management. Its low standard deviation of 12.87% and max drawdown of -7.71% make it an ideal choice for conservative investors focused on stability and growth.
With a 5-year XIRR of 27.24%, Nippon India Consumption Fund delivers competitive returns. However, its Sharpe Ratio of 0.83 and a higher standard deviation of 14.21% indicate a slightly riskier profile. The max drawdown of -10.50% suggests that this fund is suitable for investors comfortable with moderate volatility.
Mirae Asset Great Consumer Fund offers a 5-year XIRR of 26.07% and a Sharpe Ratio of 0.75, indicating balanced risk-adjusted returns. With a standard deviation of 14.50% and a max drawdown of -10.05%, it appeals to moderately conservative investors looking for stable growth.
With a 5-year XIRR of 26.01%, Tata India Consumer Fund provides solid growth potential. The Sharpe Ratio of 0.77 and a higher standard deviation of 14.63% suggest moderate volatility. A max drawdown of -11.82% makes it suitable for investors willing to take on a bit more risk for higher returns.
Canara Robeco Consumer Trends Fund offers a respectable 5-year XIRR of 25.29%, with a Sharpe Ratio of 0.71. Its standard deviation of 13.85% reflects moderate volatility, and the max drawdown of -11.42% adds resilience. This fund is ideal for investors seeking steady returns with controlled risk.
Understanding risk metrics is essential for evaluating a fund’s stability and potential downside risk.
Sharpe Ratio: This ratio reflects risk-adjusted returns, with higher values indicating better compensation for risk. SBI Consumption Opportunities Fund (1.15) leads in risk-adjusted returns.
Standard Deviation: Measures volatility in returns. Lower values, like those of SBI Consumption Opportunities Fund (12.87%) and ICICI Prudential Bharat Consumption Fund (11.71%), indicate less fluctuation, appealing to risk-averse investors.
Max Drawdown: Shows the maximum observed loss from a peak, indicating downside risk. Lower drawdowns, such as in SBI Consumption Opportunities Fund (-7.71%), indicate resilience during market corrections.
SBI Consumption Opportunities Fund stands out for its high risk-adjusted returns and lower volatility, making it a top choice for conservative investors. Tata India Consumer Fund and Nippon India Consumption Fund offer competitive returns but with slightly higher risk profiles, suiting moderate-risk investors seeking growth.
For investors prioritizing stability, SBI Consumption Opportunities Fund and ICICI Prudential Bharat Consumption Fund have lower standard deviations and max drawdowns, offering steady performance and reduced volatility.
The 5-year XIRR highlights the growth potential of each fund. SBI Consumption Opportunities Fund and Nippon India Consumption Fund have delivered robust long-term returns, making them suitable for growth-oriented investors.
Choosing a consumption fund depends on an investor’s growth and risk preferences. SBI Consumption Opportunities Fund offers high returns with low volatility, ideal for conservative investors. Tata India Consumer Fund and Nippon India Consumption Fund, with their balanced portfolios and moderate risk profiles, are appealing to those willing to accept some volatility for higher returns.
Each fund in this analysis has been evaluated based on returns and risk, offering a variety of options for different investment styles. By focusing on 5-year XIRR and essential risk metrics, investors can make informed decisions aligned with their financial goals and risk tolerance.