Flexi Cap Fund · head to head · AMFI NAVs
Bandhan Flexi Cap Fund vs HDFC Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Bandhan Flexi Cap Fund is worth ₹7.29 L (XIRR 8.0%) and HDFC Flexi Cap Fund ₹8.25 L (XIRR 13.1%) — HDFC Flexi Cap Fund ahead by ₹95,917. Across every 5-year SIP since Jan 2013, Bandhan Flexi Cap Fund finished ahead in 15 of 106 and HDFC Flexi Cap Fund in 91.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Bandhan Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Bandhan 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 | Bandhan Flexi Cap Fund | XIRR | HDFC Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -7.8% | ₹1.17 L | -5.8% | ₹1.16 L / ₹1.17 L |
| 3 years | ₹3,60,000 | ₹3.70 L | 1.9% | ₹3.87 L | 5.0% | ₹3.70 L / ₹3.87 L |
| 5 years | ₹6,00,000 | ₹7.29 L | 8.0% | ₹8.25 L | 13.1% | ₹7.28 L / ₹8.12 L |
| 10 years | ₹12,00,000 | ₹21.02 L | 11.0% | ₹27.94 L | 16.4% | ₹20.08 L / ₹26.15 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. Bandhan Flexi Cap Fund finished ahead in 14% of them; the median gap was 5.0 percentage points a year in HDFC Flexi Cap Fund's favour.
Downside on the same dates: Bandhan Flexi Cap Fund's worst 5-year SIP returned -6.3% a year (started Apr 2015) and 4 of 106 lost money; HDFC Flexi Cap Fund's worst returned -7.5% (started Apr 2015) and 3 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Bandhan Flexi Cap Fund minus HDFC Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Bandhan / HDFC) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 20% / 80% | -4.2 pp | -12.9 ppstarted Apr 2020 | +12.7 ppstarted Feb 2013 |
| 5-year SIPs | 106 | 14% / 86% | -5.0 pp | -10.0 ppstarted Apr 2020 | +2.2 ppstarted Jul 2013 |
Against an index fund, and the cost of the Regular plan
- 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.
- HDFC Flexi Cap Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +7.7 pp a year) — HDFC Flexi Cap Fund vs Nifty 500 index fund.
- HDFC Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,10,551 below Direct.
Questions
Which has given better SIP returns, Bandhan Flexi Cap Fund or HDFC Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.29 L in Bandhan Flexi Cap Fund (XIRR 8.0%) and ₹8.25 L in HDFC Flexi Cap Fund (XIRR 13.1%). Past returns don't tell you which will do better next.
Has Bandhan Flexi Cap Fund beaten HDFC Flexi Cap Fund consistently?
In 14% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Bandhan Flexi Cap Fund ended ahead of HDFC Flexi Cap Fund (Direct plans). The median difference was -5.0 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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