Value Fund · head to head · AMFI NAVs
HDFC Value Fund vs Tata Value Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years HDFC Value Fund is worth ₹8.21 L (XIRR 12.9%) and Tata Value Fund ₹7.72 L (XIRR 10.4%) — HDFC Value Fund ahead by ₹48,673. Across every 5-year SIP since Jan 2013, HDFC Value Fund finished ahead in 38 of 106 and Tata Value Fund in 68.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
HDFC Value Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | HDFC Value 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 Value Fund | XIRR | Tata Value Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.21 L | 1.4% | ₹1.16 L | -6.7% | ₹1.21 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.97 L | 6.9% | ₹3.68 L | 1.6% | ₹3.97 L / ₹3.68 L |
| 5 years | ₹6,00,000 | ₹8.21 L | 12.9% | ₹7.72 L | 10.4% | ₹8.09 L / ₹7.66 L |
| 10 years | ₹12,00,000 | ₹25.67 L | 14.8% | ₹24.13 L | 13.6% | ₹24.16 L / ₹22.80 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. HDFC Value Fund finished ahead in 36% of them; the median gap was 0.8 percentage points a year in Tata Value Fund's favour.
Downside on the same dates: HDFC Value Fund's worst 5-year SIP returned -8.7% a year (started Apr 2015) and 3 of 106 lost money; Tata Value Fund's worst returned -5.2% (started Apr 2015) and 2 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = HDFC Value Fund minus Tata Value Fund, percentage points a year.
| Window | SIPs compared | Ahead (HDFC / Tata) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 42% / 58% | -1.5 pp | -8.2 ppstarted May 2014 | +5.5 ppstarted Aug 2023 |
| 5-year SIPs | 106 | 36% / 64% | -0.8 pp | -4.5 ppstarted May 2013 | +2.5 ppstarted Oct 2021 |
Against an index fund, and the cost of the Regular plan
- HDFC Value Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +3.8 pp a year) — HDFC Value Fund vs Nifty 500 index fund.
- HDFC Value Fund: the Regular plan of the same 10-year SIP ended ₹1,35,533 below Direct.
- Tata Value Fund beat a plain Nifty 500 index fund in 94% of 49 rolling 3-year SIPs (median gap +3.2 pp a year) — Tata Value Fund vs Nifty 500 index fund.
- Tata Value Fund: the Regular plan of the same 10-year SIP ended ₹1,50,284 below Direct.
Questions
Which has given better SIP returns, HDFC Value Fund or Tata Value Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹8.21 L in HDFC Value Fund (XIRR 12.9%) and ₹7.72 L in Tata Value Fund (XIRR 10.4%). Past returns don't tell you which will do better next.
Has HDFC Value Fund beaten Tata Value Fund consistently?
In 36% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), HDFC Value Fund ended ahead of Tata Value Fund (Direct plans). The median difference was -0.8 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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