Small Cap Fund · head to head · AMFI NAVs
Aditya Birla Sun Life Small Cap Fund vs HDFC Small Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Aditya Birla Sun Life Small Cap Fund is worth ₹8.81 L (XIRR 15.9%) and HDFC Small Cap Fund ₹8.03 L (XIRR 12.0%) — Aditya Birla Sun Life Small Cap Fund ahead by ₹78,527. Across every 5-year SIP since Jul 2014, Aditya Birla Sun Life Small Cap Fund finished ahead in 6 of 88 and HDFC Small Cap Fund in 82.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Aditya Birla Sun Life Small Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Aditya Birla Sun Life Small 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 Small Cap Fund | XIRR | HDFC Small Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.32 L | 22.5% | ₹1.20 L | -0.2% | ₹1.30 L / ₹1.20 L |
| 3 years | ₹3,60,000 | ₹4.29 L | 12.4% | ₹3.77 L | 3.2% | ₹4.26 L / ₹3.77 L |
| 5 years | ₹6,00,000 | ₹8.81 L | 15.9% | ₹8.03 L | 12.0% | ₹8.61 L / ₹7.93 L |
| 10 years | ₹12,00,000 | ₹27.17 L | 15.8% | ₹29.63 L | 17.5% | ₹25.46 L / ₹27.64 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 88 SIPs, the first starting Jul 2014. Aditya Birla Sun Life Small Cap Fund finished ahead in 7% of them; the median gap was 5.9 percentage points a year in HDFC Small Cap Fund's favour.
Downside on the same dates: Aditya Birla Sun Life Small Cap Fund's worst 5-year SIP returned -16.0% a year (started Apr 2015) and 8 of 88 lost money; HDFC Small Cap Fund's worst returned -9.5% (started Apr 2015) and 4 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Aditya Birla Sun Life Small Cap Fund minus HDFC Small Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Aditya / HDFC) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 112 | 14% / 86% | -5.3 pp | -13.9 ppstarted Feb 2016 | +9.3 ppstarted Sep 2023 |
| 5-year SIPs | 88 | 7% / 93% | -5.9 pp | -9.1 ppstarted Apr 2018 | +3.7 ppstarted Oct 2021 |
Against an index fund, and the cost of the Regular plan
- Aditya Birla Sun Life Small Cap Fund beat a plain Nifty Smallcap 250 index fund in 18% of 49 rolling 3-year SIPs (median gap -3.4 pp a year) — Aditya Birla Sun Life Small Cap Fund vs Nifty Smallcap 250 index fund.
- Aditya Birla Sun Life Small Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,63,464 below Direct.
- HDFC Small Cap Fund beat a plain Nifty Smallcap 250 index fund in 59% of 49 rolling 3-year SIPs (median gap +0.7 pp a year) — HDFC Small Cap Fund vs Nifty Smallcap 250 index fund.
- HDFC Small Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,73,488 below Direct.
Questions
Which has given better SIP returns, Aditya Birla Sun Life Small Cap Fund or HDFC Small Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹8.81 L in Aditya Birla Sun Life Small Cap Fund (XIRR 15.9%) and ₹8.03 L in HDFC Small Cap Fund (XIRR 12.0%). Past returns don't tell you which will do better next.
Has Aditya Birla Sun Life Small Cap Fund beaten HDFC Small Cap Fund consistently?
In 7% of 88 rolling 5-year SIPs started on the same dates (from Jul 2014), Aditya Birla Sun Life Small Cap Fund ended ahead of HDFC Small Cap Fund (Direct plans). The median difference was -5.9 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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