Large Cap Fund · head to head · AMFI NAVs
Aditya Birla Sun Life Large Cap Fund vs Kotak Large Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Aditya Birla Sun Life Large Cap Fund is worth ₹7.06 L (XIRR 6.6%) and Kotak Large Cap Fund ₹7.13 L (XIRR 7.0%) — Kotak Large Cap Fund ahead by ₹6,959. Across every 5-year SIP since Jan 2013, Aditya Birla Sun Life Large Cap Fund finished ahead in 14 of 106 and Kotak Large Cap Fund in 92.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Aditya Birla Sun Life Large Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Aditya Birla Sun Life Large 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 Large Cap Fund | XIRR | Kotak Large Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.14 L | -11.3% | ₹1.13 L | -12.0% | ₹1.14 L / ₹1.13 L |
| 3 years | ₹3,60,000 | ₹3.59 L | -0.1% | ₹3.62 L | 0.3% | ₹3.59 L / ₹3.62 L |
| 5 years | ₹6,00,000 | ₹7.06 L | 6.6% | ₹7.13 L | 7.0% | ₹7.06 L / ₹7.13 L |
| 10 years | ₹12,00,000 | ₹21.10 L | 11.0% | ₹22.15 L | 12.0% | ₹20.15 L / ₹21.07 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 Large Cap Fund finished ahead in 13% of them; the median gap was 0.7 percentage points a year in Kotak Large Cap Fund's favour.
Downside on the same dates: Aditya Birla Sun Life Large Cap Fund's worst 5-year SIP returned -6.5% a year (started Apr 2015) and 3 of 106 lost money; Kotak Large Cap Fund's worst returned -3.8% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Aditya Birla Sun Life Large Cap Fund minus Kotak Large Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Aditya / Kotak) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 39% / 61% | -0.3 pp | -5.1 ppstarted Oct 2017 | +2.8 ppstarted Sep 2014 |
| 5-year SIPs | 106 | 13% / 87% | -0.7 pp | -3.4 ppstarted Oct 2015 | +1.6 ppstarted Jan 2013 |
Against an index fund, and the cost of the Regular plan
- Aditya Birla Sun Life Large Cap Fund beat a plain Nifty 50 index fund in 51% of 106 rolling 5-year SIPs (median gap +0.1 pp a year) — Aditya Birla Sun Life Large Cap Fund vs Nifty 50 index fund.
- Aditya Birla Sun Life Large Cap Fund: the Regular plan of the same 10-year SIP ended ₹84,611 below Direct.
- Kotak Large Cap Fund beat a plain Nifty 50 index fund in 86% of 106 rolling 5-year SIPs (median gap +1.3 pp a year) — Kotak Large Cap Fund vs Nifty 50 index fund.
- Kotak Large Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,51,328 below Direct.
Questions
Which has given better SIP returns, Aditya Birla Sun Life Large Cap Fund or Kotak Large Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.06 L in Aditya Birla Sun Life Large Cap Fund (XIRR 6.6%) and ₹7.13 L in Kotak Large Cap Fund (XIRR 7.0%). Past returns don't tell you which will do better next.
Has Aditya Birla Sun Life Large Cap Fund beaten Kotak Large Cap Fund consistently?
In 13% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Aditya Birla Sun Life Large Cap Fund ended ahead of Kotak Large Cap Fund (Direct plans). The median difference was -0.7 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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