Flexi Cap Fund · head to head · AMFI NAVs
Axis Flexi Cap Fund vs Bandhan Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Axis Flexi Cap Fund is worth ₹7.69 L (XIRR 10.2%) and Bandhan Flexi Cap Fund ₹7.29 L (XIRR 8.0%) — Axis Flexi Cap Fund ahead by ₹40,227. Across every 5-year SIP since Dec 2017, Axis Flexi Cap Fund finished ahead in 9 of 47 and Bandhan Flexi Cap Fund in 38.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Axis Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Axis 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 | Axis Flexi Cap Fund | XIRR | Bandhan Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.23 L | 5.0% | ₹1.16 L | -7.8% | ₹1.22 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.96 L | 6.7% | ₹3.70 L | 1.9% | ₹3.96 L / ₹3.70 L |
| 5 years | ₹6,00,000 | ₹7.69 L | 10.2% | ₹7.29 L | 8.0% | ₹7.63 L / ₹7.28 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 47 SIPs, the first starting Dec 2017. Axis Flexi Cap Fund finished ahead in 19% of them; the median gap was 1.3 percentage points a year in Bandhan Flexi Cap Fund's favour.
Downside on the same dates: Axis Flexi Cap Fund's worst 5-year SIP returned 6.9% a year (started Apr 2021) and 0 of 47 lost money; Bandhan Flexi Cap Fund's worst returned 8.0% (started Oct 2021) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Axis Flexi Cap Fund minus Bandhan Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Axis / Bandhan) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 71 | 45% / 55% | -0.4 pp | -5.2 ppstarted Feb 2021 | +10.3 ppstarted Jan 2018 |
| 5-year SIPs | 47 | 19% / 81% | -1.3 pp | -2.7 ppstarted Feb 2019 | +2.1 ppstarted Oct 2021 |
Against an index fund, and the cost of the Regular plan
- Axis Flexi Cap Fund beat a plain Nifty 500 index fund in 39% of 49 rolling 3-year SIPs (median gap -1.8 pp a year) — Axis Flexi Cap Fund vs Nifty 500 index fund.
- Axis Flexi Cap Fund: the Regular plan of the same 5-year SIP ended ₹20,919 below Direct.
- Bandhan Flexi Cap Fund beat a plain Nifty 500 index fund in 43% of 49 rolling 3-year SIPs (median gap -0.6 pp a year) — Bandhan Flexi Cap Fund vs Nifty 500 index fund.
- Bandhan Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹86,108 below Direct.
Questions
Which has given better SIP returns, Axis Flexi Cap Fund or Bandhan Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.69 L in Axis Flexi Cap Fund (XIRR 10.2%) and ₹7.29 L in Bandhan Flexi Cap Fund (XIRR 8.0%). Past returns don't tell you which will do better next.
Has Axis Flexi Cap Fund beaten Bandhan Flexi Cap Fund consistently?
In 19% of 47 rolling 5-year SIPs started on the same dates (from Dec 2017), Axis Flexi Cap Fund ended ahead of Bandhan Flexi Cap Fund (Direct plans). The median difference was -1.3 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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