Large Cap Fund · head to head · AMFI NAVs
ICICI Prudential Large Cap Fund vs UTI Large Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years ICICI Prudential Large Cap Fund is worth ₹7.23 L (XIRR 7.6%) and UTI Large Cap Fund ₹6.70 L (XIRR 4.5%) — ICICI Prudential Large Cap Fund ahead by ₹52,801. Across every 5-year SIP since Jan 2013, ICICI Prudential Large Cap Fund finished ahead in 80 of 106 and UTI Large Cap Fund in 26.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
ICICI Prudential Large Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | ICICI Prudential Large 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 Cap Fund | XIRR | UTI Large Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.12 L | -13.9% | ₹1.13 L | -12.3% | ₹1.12 L / ₹1.13 L |
| 3 years | ₹3,60,000 | ₹3.57 L | -0.6% | ₹3.52 L | -1.6% | ₹3.57 L / ₹3.52 L |
| 5 years | ₹6,00,000 | ₹7.23 L | 7.6% | ₹6.70 L | 4.5% | ₹7.23 L / ₹6.70 L |
| 10 years | ₹12,00,000 | ₹22.82 L | 12.5% | ₹20.04 L | 10.0% | ₹21.66 L / ₹19.22 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. ICICI Prudential Large Cap Fund finished ahead in 75% of them; the median gap was 1.8 percentage points a year in ICICI Prudential Large Cap Fund's favour.
Downside on the same dates: ICICI Prudential Large Cap Fund's worst 5-year SIP returned -4.6% a year (started Apr 2015) and 2 of 106 lost money; UTI Large Cap Fund's worst returned -4.0% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = ICICI Prudential Large Cap Fund minus UTI Large Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (ICICI / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 78% / 22% | +2.1 pp | -3.0 ppstarted Sep 2018 | +9.3 ppstarted Mar 2021 |
| 5-year SIPs | 106 | 75% / 25% | +1.8 pp | -1.8 ppstarted Sep 2016 | +5.8 ppstarted Jun 2019 |
Against an index fund, and the cost of the Regular plan
- ICICI Prudential Large Cap Fund beat a plain Nifty 50 index fund in 78% of 106 rolling 5-year SIPs (median gap +1.6 pp a year) — ICICI Prudential Large Cap Fund vs Nifty 50 index fund.
- ICICI Prudential Large Cap Fund: the Regular plan of the same 10-year SIP ended ₹83,188 below Direct.
- UTI Large Cap Fund beat a plain Nifty 50 index fund in 53% of 106 rolling 5-year SIPs (median gap +0.0 pp a year) — UTI Large Cap Fund vs Nifty 50 index fund.
- UTI Large Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,00,177 below Direct.
Questions
Which has given better SIP returns, ICICI Prudential Large Cap Fund or UTI Large Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.23 L in ICICI Prudential Large Cap Fund (XIRR 7.6%) and ₹6.70 L in UTI Large Cap Fund (XIRR 4.5%). Past returns don't tell you which will do better next.
Has ICICI Prudential Large Cap Fund beaten UTI Large Cap Fund consistently?
In 75% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), ICICI Prudential Large Cap Fund ended ahead of UTI Large Cap Fund (Direct plans). The median difference was +1.8 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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