Focused Fund · head to head · AMFI NAVs
HDFC Focused Fund vs Kotak Focused Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years HDFC Focused Fund is worth ₹8.24 L (XIRR 13.0%) and Kotak Focused Fund ₹7.85 L (XIRR 11.0%) — HDFC Focused Fund ahead by ₹38,544. Across every 3-year SIP since Aug 2019, HDFC Focused Fund finished ahead in 44 of 51 and Kotak Focused Fund in 7.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
HDFC Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | HDFC 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 | HDFC Focused Fund | XIRR | Kotak Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -6.7% | ₹1.17 L | -5.3% | ₹1.16 L / ₹1.17 L |
| 3 years | ₹3,60,000 | ₹3.84 L | 4.5% | ₹3.92 L | 6.0% | ₹3.84 L / ₹3.92 L |
| 5 years | ₹6,00,000 | ₹8.24 L | 13.0% | ₹7.85 L | 11.0% | ₹8.11 L / ₹7.78 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 51 SIPs, the first starting Aug 2019. HDFC Focused Fund finished ahead in 86% of them; the median gap was 8.9 percentage points a year in HDFC Focused Fund's favour.
Downside on the same dates: HDFC Focused Fund's worst 3-year SIP returned 5.1% a year (started Oct 2023) and 0 of 51 lost money; Kotak Focused Fund's worst returned 6.4% (started Oct 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = HDFC Focused Fund minus Kotak Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (HDFC / Kotak) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 51 | 86% / 14% | +8.9 pp | -2.3 ppstarted Aug 2023 | +12.2 ppstarted Apr 2020 |
| 5-year SIPs | 27 | 100% / 0% | +7.4 pp | +1.9 ppstarted Sep 2021 | +10.1 ppstarted Apr 2020 |
Against an index fund, and the cost of the Regular plan
- HDFC Focused Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +9.1 pp a year) — HDFC Focused Fund vs Nifty 500 index fund.
- HDFC Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,81,281 below Direct.
- Kotak Focused Fund beat a plain Nifty 500 index fund in 73% of 49 rolling 3-year SIPs (median gap +0.6 pp a year) — Kotak Focused Fund vs Nifty 500 index fund.
- Kotak Focused Fund: the Regular plan of the same 5-year SIP ended ₹29,189 below Direct.
Questions
Which has given better SIP returns, HDFC Focused Fund or Kotak Focused Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹8.24 L in HDFC Focused Fund (XIRR 13.0%) and ₹7.85 L in Kotak Focused Fund (XIRR 11.0%). Past returns don't tell you which will do better next.
Has HDFC Focused Fund beaten Kotak Focused Fund consistently?
In 86% of 51 rolling 3-year SIPs started on the same dates (from Aug 2019), HDFC Focused Fund ended ahead of Kotak Focused Fund (Direct plans). The median difference was +8.9 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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