Aggressive Hybrid Fund · head to head · AMFI NAVs
Kotak Aggressive Hybrid Fund vs UTI Aggressive Hybrid Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Kotak Aggressive Hybrid Fund is worth ₹7.76 L (XIRR 10.5%) and UTI Aggressive Hybrid Fund ₹7.38 L (XIRR 8.5%) — Kotak Aggressive Hybrid Fund ahead by ₹37,340. Across every 5-year SIP since Jan 2013, Kotak Aggressive Hybrid Fund finished ahead in 33 of 106 and UTI Aggressive Hybrid Fund in 73.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Kotak Aggressive Hybrid Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Kotak Aggressive Hybrid 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 | Kotak Aggressive Hybrid Fund | XIRR | UTI Aggressive Hybrid Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.20 L | -0.7% | ₹1.16 L | -7.7% | ₹1.20 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.91 L | 5.8% | ₹3.70 L | 1.9% | ₹3.91 L / ₹3.70 L |
| 5 years | ₹6,00,000 | ₹7.76 L | 10.5% | ₹7.38 L | 8.5% | ₹7.69 L / ₹7.37 L |
| 10 years | ₹12,00,000 | ₹23.02 L | 12.7% | ₹22.02 L | 11.8% | ₹21.81 L / ₹20.95 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. Kotak Aggressive Hybrid Fund finished ahead in 31% of them; the median gap was 0.6 percentage points a year in UTI Aggressive Hybrid Fund's favour.
Downside on the same dates: Kotak Aggressive Hybrid Fund's worst 5-year SIP returned -8.9% a year (started Apr 2015) and 13 of 106 lost money; UTI Aggressive Hybrid Fund's worst returned -6.3% (started Apr 2015) and 3 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Kotak Aggressive Hybrid Fund minus UTI Aggressive Hybrid Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 37% / 63% | -0.7 pp | -23.5 ppstarted Jan 2013 | +3.8 ppstarted Sep 2023 |
| 5-year SIPs | 106 | 31% / 69% | -0.6 pp | -13.5 ppstarted Jan 2013 | +2.0 ppstarted Oct 2021 |
Against an index fund, and the cost of the Regular plan
- Kotak Aggressive Hybrid Fund: the Regular plan of the same 10-year SIP ended ₹60,750 below Direct.
- UTI Aggressive Hybrid Fund: the Regular plan of the same 10-year SIP ended ₹83,800 below Direct.
Questions
Which has given better SIP returns, Kotak Aggressive Hybrid Fund or UTI Aggressive Hybrid Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.76 L in Kotak Aggressive Hybrid Fund (XIRR 10.5%) and ₹7.38 L in UTI Aggressive Hybrid Fund (XIRR 8.5%). Past returns don't tell you which will do better next.
Has Kotak Aggressive Hybrid Fund beaten UTI Aggressive Hybrid Fund consistently?
In 31% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Kotak Aggressive Hybrid Fund ended ahead of UTI Aggressive Hybrid Fund (Direct plans). The median difference was -0.6 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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