Mid Cap Fund · head to head · AMFI NAVs
DSP Midcap Fund vs SBI Midcap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years DSP Midcap Fund is worth ₹7.96 L (XIRR 11.6%) and SBI Midcap Fund ₹7.63 L (XIRR 9.8%) — DSP Midcap Fund ahead by ₹33,295. Across every 5-year SIP since Jan 2013, DSP Midcap Fund finished ahead in 54 of 106 and SBI Midcap Fund in 52.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
DSP Midcap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | DSP Midcap 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 Midcap Fund | XIRR | SBI Midcap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.18 L | -2.8% | ₹1.19 L | -2.4% | ₹1.18 L / ₹1.19 L |
| 3 years | ₹3,60,000 | ₹3.87 L | 5.0% | ₹3.75 L | 2.9% | ₹3.87 L / ₹3.75 L |
| 5 years | ₹6,00,000 | ₹7.96 L | 11.6% | ₹7.63 L | 9.8% | ₹7.87 L / ₹7.58 L |
| 10 years | ₹12,00,000 | ₹24.70 L | 14.0% | ₹26.81 L | 15.6% | ₹23.29 L / ₹25.14 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 Midcap Fund finished ahead in 51% of them; the median gap was 0.1 percentage points a year in DSP Midcap Fund's favour.
Downside on the same dates: DSP Midcap Fund's worst 5-year SIP returned -1.7% a year (started Apr 2015) and 1 of 106 lost money; SBI Midcap Fund's worst returned -9.9% (started Apr 2015) and 4 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = DSP Midcap Fund minus SBI Midcap Fund, percentage points a year.
| Window | SIPs compared | Ahead (DSP / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 56% / 44% | +2.2 pp | -17.6 ppstarted Sep 2019 | +9.6 ppstarted Jun 2017 |
| 5-year SIPs | 106 | 51% / 49% | +0.1 pp | -10.7 ppstarted Jul 2018 | +9.0 ppstarted Jun 2015 |
Against an index fund, and the cost of the Regular plan
- DSP Midcap Fund beat a plain Nifty Midcap 150 index fund in 4% of 49 rolling 3-year SIPs (median gap -4.6 pp a year) — DSP Midcap Fund vs Nifty Midcap 150 index fund.
- DSP Midcap Fund: the Regular plan of the same 10-year SIP ended ₹1,36,932 below Direct.
- SBI Midcap Fund beat a plain Nifty Midcap 150 index fund in 22% of 49 rolling 3-year SIPs (median gap -4.0 pp a year) — SBI Midcap Fund vs Nifty Midcap 150 index fund.
- SBI Midcap Fund: the Regular plan of the same 10-year SIP ended ₹1,41,380 below Direct.
Questions
Which has given better SIP returns, DSP Midcap Fund or SBI Midcap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.96 L in DSP Midcap Fund (XIRR 11.6%) and ₹7.63 L in SBI Midcap Fund (XIRR 9.8%). Past returns don't tell you which will do better next.
Has DSP Midcap Fund beaten SBI Midcap Fund consistently?
In 51% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), DSP Midcap Fund ended ahead of SBI Midcap Fund (Direct plans). The median difference was +0.1 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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