Large & Mid Cap Fund · head to head · AMFI NAVs
HDFC Large & Mid Cap Fund vs UTI Large & Mid Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years HDFC Large & Mid Cap Fund is worth ₹7.86 L (XIRR 11.1%) and UTI Large & Mid Cap Fund ₹8.06 L (XIRR 12.1%) — UTI Large & Mid Cap Fund ahead by ₹20,111. Across every 5-year SIP since Jul 2014, HDFC Large & Mid Cap Fund finished ahead in 67 of 88 and UTI Large & Mid Cap Fund in 21.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
HDFC Large & Mid Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | HDFC 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 | HDFC Large & Mid Cap Fund | XIRR | UTI Large & Mid Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -5.9% | ₹1.16 L | -7.6% | ₹1.17 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.74 L | 2.7% | ₹3.81 L | 3.9% | ₹3.74 L / ₹3.81 L |
| 5 years | ₹6,00,000 | ₹7.86 L | 11.1% | ₹8.06 L | 12.1% | ₹7.78 L / ₹7.96 L |
| 10 years | ₹12,00,000 | ₹26.49 L | 15.3% | ₹26.05 L | 15.0% | ₹24.86 L / ₹24.48 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. HDFC Large & Mid Cap Fund finished ahead in 76% of them; the median gap was 1.1 percentage points a year in HDFC Large & Mid Cap Fund's favour.
Downside on the same dates: HDFC Large & Mid Cap Fund's worst 5-year SIP returned -8.9% a year (started Apr 2015) and 4 of 88 lost money; UTI Large & Mid Cap Fund's worst returned -11.2% (started Apr 2015) and 4 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = HDFC Large & Mid Cap Fund minus UTI Large & Mid Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (HDFC / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 112 | 60% / 40% | +1.0 pp | -4.3 ppstarted Apr 2023 | +4.3 ppstarted Feb 2021 |
| 5-year SIPs | 88 | 76% / 24% | +1.1 pp | -2.2 ppstarted Apr 2021 | +3.1 ppstarted Feb 2019 |
Against an index fund, and the cost of the Regular plan
- 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.
- UTI Large & Mid Cap Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +5.7 pp a year) — UTI Large & Mid Cap Fund vs Nifty 500 index fund.
- UTI Large & Mid Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,11,414 below Direct.
Questions
Which has given better SIP returns, HDFC Large & Mid Cap Fund or UTI Large & Mid Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.86 L in HDFC Large & Mid Cap Fund (XIRR 11.1%) and ₹8.06 L in UTI Large & Mid Cap Fund (XIRR 12.1%). Past returns don't tell you which will do better next.
Has HDFC Large & Mid Cap Fund beaten UTI Large & Mid Cap Fund consistently?
In 76% of 88 rolling 5-year SIPs started on the same dates (from Jul 2014), HDFC Large & Mid Cap Fund ended ahead of UTI Large & Mid Cap Fund (Direct plans). The median difference was +1.1 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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