Balanced Advantage Fund · head to head · AMFI NAVs
Kotak Balanced Advantage Fund vs Motilal Oswal Balanced Advantage Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Kotak Balanced Advantage Fund is worth ₹7.24 L (XIRR 7.7%) and Motilal Oswal Balanced Advantage Fund ₹6.72 L (XIRR 4.6%) — Kotak Balanced Advantage Fund ahead by ₹51,657. Across every 5-year SIP since Sep 2018, Kotak Balanced Advantage Fund finished ahead in 28 of 38 and Motilal Oswal Balanced Advantage Fund in 10.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Kotak Balanced Advantage Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Kotak Balanced Advantage 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 Balanced Advantage Fund | XIRR | Motilal Oswal Balanced Advantage Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.18 L | -2.9% | ₹1.24 L | 6.5% | ₹1.18 L / ₹1.23 L |
| 3 years | ₹3,60,000 | ₹3.81 L | 3.9% | ₹3.62 L | 0.3% | ₹3.81 L / ₹3.61 L |
| 5 years | ₹6,00,000 | ₹7.24 L | 7.7% | ₹6.72 L | 4.6% | ₹7.24 L / ₹6.71 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 38 SIPs, the first starting Sep 2018. Kotak Balanced Advantage Fund finished ahead in 74% of them; the median gap was 3.2 percentage points a year in Kotak Balanced Advantage Fund's favour.
Downside on the same dates: Kotak Balanced Advantage Fund's worst 5-year SIP returned 7.7% a year (started Oct 2021) and 0 of 38 lost money; Motilal Oswal Balanced Advantage Fund's worst returned 0.8% (started Apr 2021) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Kotak Balanced Advantage Fund minus Motilal Oswal Balanced Advantage Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / Motilal) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 62 | 74% / 26% | +5.0 pp | -5.3 ppstarted Sep 2021 | +11.8 ppstarted Mar 2023 |
| 5-year SIPs | 38 | 74% / 26% | +3.2 pp | -1.4 ppstarted Sep 2019 | +7.7 ppstarted Mar 2021 |
Against an index fund, and the cost of the Regular plan
- Kotak Balanced Advantage Fund: the Regular plan of the same 5-year SIP ended ₹21,420 below Direct.
- Motilal Oswal Balanced Advantage Fund: the Regular plan of the same 10-year SIP ended ₹1,14,163 below Direct.
Questions
Which has given better SIP returns, Kotak Balanced Advantage Fund or Motilal Oswal Balanced Advantage Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.24 L in Kotak Balanced Advantage Fund (XIRR 7.7%) and ₹6.72 L in Motilal Oswal Balanced Advantage Fund (XIRR 4.6%). Past returns don't tell you which will do better next.
Has Kotak Balanced Advantage Fund beaten Motilal Oswal Balanced Advantage Fund consistently?
In 74% of 38 rolling 5-year SIPs started on the same dates (from Sep 2018), Kotak Balanced Advantage Fund ended ahead of Motilal Oswal Balanced Advantage Fund (Direct plans). The median difference was +3.2 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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