Large & Mid Cap Fund · head to head · AMFI NAVs
DSP Large & Mid Cap Fund vs HDFC Large & Mid Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years DSP Large & Mid Cap Fund is worth ₹7.68 L (XIRR 10.1%) and HDFC Large & Mid Cap Fund ₹7.86 L (XIRR 11.1%) — HDFC Large & Mid Cap Fund ahead by ₹17,341. Across every 5-year SIP since Jul 2014, DSP Large & Mid Cap Fund finished ahead in 31 of 88 and HDFC Large & Mid Cap Fund in 57.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
DSP Large & Mid Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | DSP Large & Mid 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 Large & Mid Cap Fund | XIRR | HDFC Large & Mid Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.14 L | -11.1% | ₹1.17 L | -5.9% | ₹1.14 L / ₹1.17 L |
| 3 years | ₹3,60,000 | ₹3.68 L | 1.4% | ₹3.74 L | 2.7% | ₹3.68 L / ₹3.74 L |
| 5 years | ₹6,00,000 | ₹7.68 L | 10.1% | ₹7.86 L | 11.1% | ₹7.63 L / ₹7.78 L |
| 10 years | ₹12,00,000 | ₹24.68 L | 14.0% | ₹26.49 L | 15.3% | ₹23.28 L / ₹24.86 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 88 SIPs, the first starting Jul 2014. DSP Large & Mid Cap Fund finished ahead in 35% of them; the median gap was 1.4 percentage points a year in HDFC Large & Mid Cap Fund's favour.
Downside on the same dates: DSP Large & Mid Cap Fund's worst 5-year SIP returned -4.0% a year (started Apr 2015) and 1 of 88 lost money; HDFC Large & Mid Cap Fund's worst returned -8.9% (started Apr 2015) and 4 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = DSP Large & Mid Cap Fund minus HDFC Large & Mid Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (DSP / HDFC) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 112 | 64% / 36% | +1.0 pp | -7.1 ppstarted May 2019 | +10.4 ppstarted Oct 2014 |
| 5-year SIPs | 88 | 35% / 65% | -1.4 pp | -4.6 ppstarted Feb 2019 | +5.8 ppstarted Mar 2015 |
Against an index fund, and the cost of the Regular plan
- DSP Large & Mid Cap Fund beat a plain Nifty 500 index fund in 96% of 49 rolling 3-year SIPs (median gap +3.8 pp a year) — DSP Large & Mid Cap Fund vs Nifty 500 index fund.
- DSP Large & Mid Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,45,136 below Direct.
- HDFC Large & Mid Cap Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +6.5 pp a year) — HDFC Large & Mid Cap Fund vs Nifty 500 index fund.
- HDFC Large & Mid Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,05,179 below Direct.
Questions
Which has given better SIP returns, DSP Large & Mid Cap Fund or HDFC Large & Mid Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.68 L in DSP Large & Mid Cap Fund (XIRR 10.1%) and ₹7.86 L in HDFC Large & Mid Cap Fund (XIRR 11.1%). Past returns don't tell you which will do better next.
Has DSP Large & Mid Cap Fund beaten HDFC Large & Mid Cap Fund consistently?
In 35% of 88 rolling 5-year SIPs started on the same dates (from Jul 2014), DSP Large & Mid Cap Fund ended ahead of HDFC Large & Mid Cap Fund (Direct plans). The median difference was -1.4 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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