Flexi Cap Fund · head to head · AMFI NAVs
DSP Flexi Cap Fund vs ICICI Prudential Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years DSP Flexi Cap Fund is worth ₹7.45 L (XIRR 8.9%) and ICICI Prudential Flexi Cap Fund ₹8.32 L (XIRR 13.5%) — ICICI Prudential Flexi Cap Fund ahead by ₹87,205. Across every 3-year SIP since Aug 2021, DSP Flexi Cap Fund finished ahead in 4 of 27 and ICICI Prudential Flexi Cap Fund in 23.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
DSP Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | DSP 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 | DSP Flexi Cap Fund | XIRR | ICICI Prudential Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -6.3% | ₹1.21 L | 2.5% | ₹1.17 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.71 L | 2.1% | ₹4.02 L | 7.7% | ₹3.71 L / ₹4.01 L |
| 5 years | ₹6,00,000 | ₹7.45 L | 8.9% | ₹8.32 L | 13.5% | ₹7.43 L / ₹8.19 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 27 SIPs, the first starting Aug 2021. DSP Flexi Cap Fund finished ahead in 15% of them; the median gap was 3.0 percentage points a year in ICICI Prudential Flexi Cap Fund's favour.
Downside on the same dates: DSP Flexi Cap Fund's worst 3-year SIP returned 2.5% a year (started Oct 2023) and 0 of 27 lost money; ICICI Prudential Flexi Cap Fund's worst returned 6.1% (started Apr 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = DSP Flexi Cap Fund minus ICICI Prudential Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (DSP / ICICI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 27 | 15% / 85% | -3.0 pp | -6.1 ppstarted Sep 2023 | +1.1 ppstarted Apr 2022 |
Against an index fund, and the cost of the Regular plan
- DSP Flexi Cap Fund beat a plain Nifty 500 index fund in 69% of 49 rolling 3-year SIPs (median gap +1.1 pp a year) — DSP Flexi Cap Fund vs Nifty 500 index fund.
- DSP Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,41,838 below Direct.
- ICICI Prudential Flexi Cap Fund beat a plain Nifty 500 index fund in 100% of 27 rolling 3-year SIPs (median gap +4.8 pp a year) — ICICI Prudential Flexi Cap Fund vs Nifty 500 index fund.
- ICICI Prudential Flexi Cap Fund: the Regular plan of the same 5-year SIP ended ₹22,486 below Direct.
Questions
Which has given better SIP returns, DSP Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.45 L in DSP Flexi Cap Fund (XIRR 8.9%) and ₹8.32 L in ICICI Prudential Flexi Cap Fund (XIRR 13.5%). Past returns don't tell you which will do better next.
Has DSP Flexi Cap Fund beaten ICICI Prudential Flexi Cap Fund consistently?
In 15% of 27 rolling 3-year SIPs started on the same dates (from Aug 2021), DSP Flexi Cap Fund ended ahead of ICICI Prudential Flexi Cap Fund (Direct plans). The median difference was -3.0 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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