Value Fund · head to head · AMFI NAVs
Bandhan Value Fund vs HDFC Value Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Bandhan Value Fund is worth ₹7.46 L (XIRR 8.9%) and HDFC Value Fund ₹8.21 L (XIRR 12.9%) — HDFC Value Fund ahead by ₹74,710. Across every 5-year SIP since Jan 2013, Bandhan Value Fund finished ahead in 66 of 106 and HDFC Value Fund in 40.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Bandhan Value Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Bandhan Value 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 Value Fund | XIRR | HDFC Value Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -6.8% | ₹1.21 L | 1.4% | ₹1.16 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.65 L | 1.0% | ₹3.97 L | 6.9% | ₹3.65 L / ₹3.97 L |
| 5 years | ₹6,00,000 | ₹7.46 L | 8.9% | ₹8.21 L | 12.9% | ₹7.44 L / ₹8.09 L |
| 10 years | ₹12,00,000 | ₹26.07 L | 15.0% | ₹25.67 L | 14.8% | ₹24.51 L / ₹24.16 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 Value Fund finished ahead in 62% of them; the median gap was 2.8 percentage points a year in Bandhan Value Fund's favour.
Downside on the same dates: Bandhan Value Fund's worst 5-year SIP returned -14.3% a year (started Apr 2015) and 5 of 106 lost money; HDFC Value Fund's worst returned -8.7% (started Apr 2015) and 3 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Bandhan Value Fund minus HDFC Value Fund, percentage points a year.
| Window | SIPs compared | Ahead (Bandhan / HDFC) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 54% / 46% | +0.5 pp | -8.8 ppstarted May 2017 | +15.4 ppstarted May 2019 |
| 5-year SIPs | 106 | 62% / 38% | +2.8 pp | -5.6 ppstarted May 2015 | +8.5 ppstarted Sep 2018 |
Against an index fund, and the cost of the Regular plan
- Bandhan Value Fund beat a plain Nifty 500 index fund in 88% of 49 rolling 3-year SIPs (median gap +4.7 pp a year) — Bandhan Value Fund vs Nifty 500 index fund.
- Bandhan Value Fund: the Regular plan of the same 10-year SIP ended ₹1,67,878 below Direct.
- HDFC Value Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +3.8 pp a year) — HDFC Value Fund vs Nifty 500 index fund.
- HDFC Value Fund: the Regular plan of the same 10-year SIP ended ₹1,35,533 below Direct.
Questions
Which has given better SIP returns, Bandhan Value Fund or HDFC Value Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.46 L in Bandhan Value Fund (XIRR 8.9%) and ₹8.21 L in HDFC Value Fund (XIRR 12.9%). Past returns don't tell you which will do better next.
Has Bandhan Value Fund beaten HDFC Value Fund consistently?
In 62% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Bandhan Value Fund ended ahead of HDFC Value Fund (Direct plans). The median difference was +2.8 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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