Focused Fund · head to head · AMFI NAVs
Bandhan Focused Fund vs HDFC Focused Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Bandhan Focused Fund is worth ₹8.12 L (XIRR 12.4%) and HDFC Focused Fund ₹8.24 L (XIRR 13.0%) — HDFC Focused Fund ahead by ₹11,581. Across every 5-year SIP since Jan 2013, Bandhan Focused Fund finished ahead in 45 of 106 and HDFC Focused Fund in 61.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Bandhan Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Bandhan Focused 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 Focused Fund | XIRR | HDFC Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.22 L | 3.8% | ₹1.16 L | -6.7% | ₹1.22 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.99 L | 7.1% | ₹3.84 L | 4.5% | ₹3.98 L / ₹3.84 L |
| 5 years | ₹6,00,000 | ₹8.12 L | 12.4% | ₹8.24 L | 13.0% | ₹8.01 L / ₹8.11 L |
| 10 years | ₹12,00,000 | ₹23.93 L | 13.4% | ₹27.48 L | 16.0% | ₹22.64 L / ₹25.73 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 Focused Fund finished ahead in 42% of them; the median gap was 2.1 percentage points a year in HDFC Focused Fund's favour.
Downside on the same dates: Bandhan Focused Fund's worst 5-year SIP returned -3.5% a year (started Apr 2015) and 1 of 106 lost money; HDFC Focused Fund's worst returned -10.6% (started Apr 2015) and 7 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Bandhan Focused Fund minus HDFC Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (Bandhan / HDFC) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 40% / 60% | -2.1 pp | -18.8 ppstarted Jan 2020 | +12.1 ppstarted Nov 2017 |
| 5-year SIPs | 106 | 42% / 58% | -2.1 pp | -10.3 ppstarted Jun 2019 | +10.1 ppstarted Nov 2015 |
Against an index fund, and the cost of the Regular plan
- Bandhan Focused Fund beat a plain Nifty 500 index fund in 57% of 49 rolling 3-year SIPs (median gap +2.1 pp a year) — Bandhan Focused Fund vs Nifty 500 index fund.
- Bandhan Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,81,722 below Direct.
- HDFC Focused Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +9.1 pp a year) — HDFC Focused Fund vs Nifty 500 index fund.
- HDFC Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,81,281 below Direct.
Questions
Which has given better SIP returns, Bandhan Focused Fund or HDFC Focused Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹8.12 L in Bandhan Focused Fund (XIRR 12.4%) and ₹8.24 L in HDFC Focused Fund (XIRR 13.0%). Past returns don't tell you which will do better next.
Has Bandhan Focused Fund beaten HDFC Focused Fund consistently?
In 42% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Bandhan Focused Fund ended ahead of HDFC Focused Fund (Direct plans). The median difference was -2.1 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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