Focused Fund · head to head · AMFI NAVs
Bandhan Focused Fund vs SBI 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 SBI Focused Fund ₹8.22 L (XIRR 12.9%) — SBI Focused Fund ahead by ₹9,727. Across every 5-year SIP since Jan 2013, Bandhan Focused Fund finished ahead in 24 of 106 and SBI Focused Fund in 82.
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 | SBI Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.22 L | 3.8% | ₹1.22 L | 3.0% | ₹1.22 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.99 L | 7.1% | ₹4.17 L | 10.3% | ₹3.98 L / ₹4.16 L |
| 5 years | ₹6,00,000 | ₹8.12 L | 12.4% | ₹8.22 L | 12.9% | ₹8.01 L / ₹8.09 L |
| 10 years | ₹12,00,000 | ₹23.93 L | 13.4% | ₹26.20 L | 15.1% | ₹22.64 L / ₹24.63 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 23% of them; the median gap was 2.6 percentage points a year in SBI 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; SBI Focused Fund's worst returned 2.2% (started Apr 2015) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Bandhan Focused Fund minus SBI Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (Bandhan / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 34% / 66% | -2.8 pp | -15.7 ppstarted May 2013 | +11.1 ppstarted Dec 2021 |
| 5-year SIPs | 106 | 23% / 77% | -2.6 pp | -9.6 ppstarted Dec 2016 | +5.4 ppstarted Jan 2020 |
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.
- SBI Focused Fund beat a plain Nifty 500 index fund in 45% of 49 rolling 3-year SIPs (median gap -0.6 pp a year) — SBI Focused Fund vs Nifty 500 index fund.
- SBI Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,42,761 below Direct.
Questions
Which has given better SIP returns, Bandhan Focused Fund or SBI 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 ₹8.22 L in SBI Focused Fund (XIRR 12.9%). Past returns don't tell you which will do better next.
Has Bandhan Focused Fund beaten SBI Focused Fund consistently?
In 23% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Bandhan Focused Fund ended ahead of SBI Focused Fund (Direct plans). The median difference was -2.6 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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