Large Cap Fund · head to head · AMFI NAVs
DSP Large Cap Fund vs SBI Large Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years DSP Large Cap Fund is worth ₹7.22 L (XIRR 7.6%) and SBI Large Cap Fund ₹7.15 L (XIRR 7.2%) — DSP Large Cap Fund ahead by ₹6,396. Across every 5-year SIP since Jan 2013, DSP Large Cap Fund finished ahead in 33 of 106 and SBI Large Cap Fund in 73.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
DSP Large Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | DSP Large 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 Cap Fund | XIRR | SBI Large Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.13 L | -13.3% | ₹1.15 L | -8.9% | ₹1.13 L / ₹1.15 L |
| 3 years | ₹3,60,000 | ₹3.58 L | -0.4% | ₹3.68 L | 1.5% | ₹3.58 L / ₹3.68 L |
| 5 years | ₹6,00,000 | ₹7.22 L | 7.6% | ₹7.15 L | 7.2% | ₹7.22 L / ₹7.15 L |
| 10 years | ₹12,00,000 | ₹20.67 L | 10.6% | ₹21.61 L | 11.5% | ₹19.77 L / ₹20.60 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 Large Cap Fund finished ahead in 31% of them; the median gap was 2.0 percentage points a year in SBI Large Cap Fund's favour.
Downside on the same dates: DSP Large Cap Fund's worst 5-year SIP returned -6.8% a year (started Apr 2015) and 3 of 106 lost money; SBI Large Cap Fund's worst returned -5.6% (started Apr 2015) and 2 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = DSP Large Cap Fund minus SBI Large Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (DSP / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 26% / 74% | -1.9 pp | -11.0 ppstarted Feb 2013 | +6.2 ppstarted Apr 2022 |
| 5-year SIPs | 106 | 31% / 69% | -2.0 pp | -5.4 ppstarted Jan 2013 | +2.7 ppstarted May 2020 |
Against an index fund, and the cost of the Regular plan
- DSP Large Cap Fund beat a plain Nifty 50 index fund in 35% of 106 rolling 5-year SIPs (median gap -1.5 pp a year) — DSP Large Cap Fund vs Nifty 50 index fund.
- DSP Large Cap Fund: the Regular plan of the same 10-year SIP ended ₹97,165 below Direct.
- SBI Large Cap Fund beat a plain Nifty 50 index fund in 62% of 106 rolling 5-year SIPs (median gap +0.8 pp a year) — SBI Large Cap Fund vs Nifty 50 index fund.
- SBI Large Cap Fund: the Regular plan of the same 10-year SIP ended ₹92,429 below Direct.
Questions
Which has given better SIP returns, DSP Large Cap Fund or SBI Large Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.22 L in DSP Large Cap Fund (XIRR 7.6%) and ₹7.15 L in SBI Large Cap Fund (XIRR 7.2%). Past returns don't tell you which will do better next.
Has DSP Large Cap Fund beaten SBI Large Cap Fund consistently?
In 31% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), DSP Large Cap Fund ended ahead of SBI Large Cap Fund (Direct plans). The median difference was -2.0 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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