Large & Mid Cap Fund · head to head · AMFI NAVs
ICICI Prudential Large & Mid Cap Fund vs Motilal Oswal Large and Midcap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years ICICI Prudential Large & Mid Cap Fund is worth ₹8.02 L (XIRR 12.0%) and Motilal Oswal Large and Midcap Fund ₹9.61 L (XIRR 19.5%) — Motilal Oswal Large and Midcap Fund ahead by ₹1,58,562. Across every 3-year SIP since Nov 2019, ICICI Prudential Large & Mid Cap Fund finished ahead in 12 of 48 and Motilal Oswal Large and Midcap Fund in 36.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
ICICI Prudential Large & Mid Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | ICICI Prudential 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 | ICICI Prudential Large & Mid Cap Fund | XIRR | Motilal Oswal Large and Midcap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.15 L | -8.9% | ₹1.27 L | 12.1% | ₹1.15 L / ₹1.25 L |
| 3 years | ₹3,60,000 | ₹3.80 L | 3.7% | ₹4.30 L | 12.6% | ₹3.80 L / ₹4.29 L |
| 5 years | ₹6,00,000 | ₹8.02 L | 12.0% | ₹9.61 L | 19.5% | ₹7.93 L / ₹9.31 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 48 SIPs, the first starting Nov 2019. ICICI Prudential Large & Mid Cap Fund finished ahead in 25% of them; the median gap was 2.4 percentage points a year in Motilal Oswal Large and Midcap Fund's favour.
Downside on the same dates: ICICI Prudential Large & Mid Cap Fund's worst 3-year SIP returned 4.3% a year (started Oct 2023) and 0 of 48 lost money; Motilal Oswal Large and Midcap Fund's worst returned 10.2% (started Apr 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = ICICI Prudential Large & Mid Cap Fund minus Motilal Oswal Large and Midcap Fund, percentage points a year.
| Window | SIPs compared | Ahead (ICICI / Motilal) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 48 | 25% / 75% | -2.4 pp | -17.3 ppstarted Jan 2022 | +5.9 ppstarted Nov 2019 |
| 5-year SIPs | 24 | 4% / 96% | -3.9 pp | -8.5 ppstarted Jan 2020 | +1.0 ppstarted Mar 2020 |
Against an index fund, and the cost of the Regular plan
- ICICI Prudential Large & Mid Cap Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +7.2 pp a year) — ICICI Prudential Large & Mid Cap Fund vs Nifty 500 index fund.
- ICICI Prudential Large & Mid Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,41,159 below Direct.
- Motilal Oswal Large and Midcap Fund beat a plain Nifty 500 index fund in 100% of 48 rolling 3-year SIPs (median gap +9.5 pp a year) — Motilal Oswal Large and Midcap Fund vs Nifty 500 index fund.
- Motilal Oswal Large and Midcap Fund: the Regular plan of the same 5-year SIP ended ₹32,741 below Direct.
Questions
Which has given better SIP returns, ICICI Prudential Large & Mid Cap Fund or Motilal Oswal Large and Midcap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹8.02 L in ICICI Prudential Large & Mid Cap Fund (XIRR 12.0%) and ₹9.61 L in Motilal Oswal Large and Midcap Fund (XIRR 19.5%). Past returns don't tell you which will do better next.
Has ICICI Prudential Large & Mid Cap Fund beaten Motilal Oswal Large and Midcap Fund consistently?
In 25% of 48 rolling 3-year SIPs started on the same dates (from Nov 2019), ICICI Prudential Large & Mid Cap Fund ended ahead of Motilal Oswal Large and Midcap Fund (Direct plans). The median difference was -2.4 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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