Focused Fund · head to head · AMFI NAVs
DSP Focused Fund vs SBI Focused Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years DSP Focused Fund is worth ₹7.70 L (XIRR 10.2%) and SBI Focused Fund ₹8.22 L (XIRR 12.9%) — SBI Focused Fund ahead by ₹51,724. Across every 5-year SIP since Jan 2013, DSP Focused Fund finished ahead in 22 of 106 and SBI Focused Fund in 84.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
DSP Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | DSP 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 | DSP Focused Fund | XIRR | SBI Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.18 L | -4.3% | ₹1.22 L | 3.0% | ₹1.18 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.79 L | 3.5% | ₹4.17 L | 10.3% | ₹3.79 L / ₹4.16 L |
| 5 years | ₹6,00,000 | ₹7.70 L | 10.2% | ₹8.22 L | 12.9% | ₹7.64 L / ₹8.09 L |
| 10 years | ₹12,00,000 | ₹22.52 L | 12.3% | ₹26.20 L | 15.1% | ₹21.39 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. DSP Focused Fund finished ahead in 21% of them; the median gap was 3.6 percentage points a year in SBI Focused Fund's favour.
Downside on the same dates: DSP Focused Fund's worst 5-year SIP returned -6.0% a year (started Apr 2015) and 2 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 = DSP Focused Fund minus SBI Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (DSP / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 23% / 77% | -3.2 pp | -13.0 ppstarted Dec 2018 | +9.2 ppstarted Sep 2021 |
| 5-year SIPs | 106 | 21% / 79% | -3.6 pp | -9.3 ppstarted Dec 2016 | +3.6 ppstarted Sep 2019 |
Against an index fund, and the cost of the Regular plan
- DSP Focused Fund beat a plain Nifty 500 index fund in 63% of 49 rolling 3-year SIPs (median gap +1.9 pp a year) — DSP Focused Fund vs Nifty 500 index fund.
- DSP Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,35,280 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, DSP Focused Fund or SBI Focused Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.70 L in DSP Focused Fund (XIRR 10.2%) and ₹8.22 L in SBI Focused Fund (XIRR 12.9%). Past returns don't tell you which will do better next.
Has DSP Focused Fund beaten SBI Focused Fund consistently?
In 21% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), DSP Focused Fund ended ahead of SBI Focused Fund (Direct plans). The median difference was -3.6 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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