Flexi Cap Fund · head to head · AMFI NAVs
Aditya Birla Sun Life Flexi Cap Fund vs Kotak Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Aditya Birla Sun Life Flexi Cap Fund is worth ₹8.06 L (XIRR 12.2%) and Kotak Flexi Cap Fund ₹7.42 L (XIRR 8.7%) — Aditya Birla Sun Life Flexi Cap Fund ahead by ₹64,776. Across every 5-year SIP since Jan 2013, Aditya Birla Sun Life Flexi Cap Fund finished ahead in 56 of 106 and Kotak Flexi Cap Fund in 50.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Aditya Birla Sun Life Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Aditya Birla Sun Life Flexi Cap Fund value | XIRR to date |
|---|
₹10,000 a month in each: what it became
Each row is a monthly SIP ending today (1 Oct 2026), Direct plans. Post-tax assumes everything is redeemed today with no other capital gains this year.
| SIP period | Invested | Aditya Birla Sun Life Flexi Cap Fund | XIRR | Kotak Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.21 L | 1.1% | ₹1.14 L | -9.9% | ₹1.20 L / ₹1.14 L |
| 3 years | ₹3,60,000 | ₹4.01 L | 7.6% | ₹3.71 L | 2.0% | ₹4.01 L / ₹3.71 L |
| 5 years | ₹6,00,000 | ₹8.06 L | 12.2% | ₹7.42 L | 8.7% | ₹7.96 L / ₹7.40 L |
| 10 years | ₹12,00,000 | ₹24.63 L | 14.0% | ₹22.56 L | 12.3% | ₹23.24 L / ₹21.43 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 106 SIPs, the first starting Jan 2013. Aditya Birla Sun Life Flexi Cap Fund finished ahead in 53% of them; the median gap was 0.1 percentage points a year in Aditya Birla Sun Life Flexi Cap Fund's favour.
Downside on the same dates: Aditya Birla Sun Life Flexi Cap Fund's worst 5-year SIP returned -5.1% a year (started Apr 2015) and 2 of 106 lost money; Kotak Flexi Cap Fund's worst returned -2.8% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Aditya Birla Sun Life Flexi Cap Fund minus Kotak Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Aditya / Kotak) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 57% / 43% | +0.5 pp | -4.6 ppstarted Jun 2016 | +5.7 ppstarted Sep 2023 |
| 5-year SIPs | 106 | 53% / 47% | +0.1 pp | -2.6 ppstarted Jun 2014 | +3.4 ppstarted Oct 2021 |
Against an index fund, and the cost of the Regular plan
- Aditya Birla Sun Life Flexi Cap Fund beat a plain Nifty 500 index fund in 53% of 49 rolling 3-year SIPs (median gap +1.4 pp a year) — Aditya Birla Sun Life Flexi Cap Fund vs Nifty 500 index fund.
- Aditya Birla Sun Life Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,21,756 below Direct.
- Kotak Flexi Cap Fund beat a plain Nifty 500 index fund in 67% of 49 rolling 3-year SIPs (median gap +0.8 pp a year) — Kotak Flexi Cap Fund vs Nifty 500 index fund.
- Kotak Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,19,912 below Direct.
Questions
Which has given better SIP returns, Aditya Birla Sun Life Flexi Cap Fund or Kotak Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹8.06 L in Aditya Birla Sun Life Flexi Cap Fund (XIRR 12.2%) and ₹7.42 L in Kotak Flexi Cap Fund (XIRR 8.7%). Past returns don't tell you which will do better next.
Has Aditya Birla Sun Life Flexi Cap Fund beaten Kotak Flexi Cap Fund consistently?
In 53% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Aditya Birla Sun Life Flexi Cap Fund ended ahead of Kotak Flexi Cap Fund (Direct plans). The median difference was +0.1 percentage points a year.
Where does this data come from?
Official daily NAVs published by AMFI. SIP instalments fall on the first business day of each month; both funds are compared on identical dates. Updated monthly.
Comparison on official AMFI NAVs, SIP on the first business day of each month, identical dates for both funds. It shows what happened, not which fund to buy — past performance does not indicate future returns. sipcalculatorhub.com is not a SEBI-registered investment adviser. Methodology.
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