Balanced Advantage Fund · head to head · AMFI NAVs
Kotak Balanced Advantage Fund vs Tata 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 Tata Balanced Advantage Fund ₹7.04 L (XIRR 6.5%) — Kotak Balanced Advantage Fund ahead by ₹19,800. Across every 3-year SIP since Feb 2019, Kotak Balanced Advantage Fund finished ahead in 25 of 57 and Tata Balanced Advantage Fund in 32.
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 | Tata Balanced Advantage Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.18 L | -2.9% | ₹1.17 L | -6.3% | ₹1.18 L / ₹1.17 L |
| 3 years | ₹3,60,000 | ₹3.81 L | 3.9% | ₹3.70 L | 2.0% | ₹3.81 L / ₹3.70 L |
| 5 years | ₹6,00,000 | ₹7.24 L | 7.7% | ₹7.04 L | 6.5% | ₹7.24 L / ₹7.04 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 57 SIPs, the first starting Feb 2019. Kotak Balanced Advantage Fund finished ahead in 44% of them; the median gap was 1.2 percentage points a year in Tata Balanced Advantage Fund's favour.
Downside on the same dates: Kotak Balanced Advantage Fund's worst 3-year SIP returned 4.2% a year (started Oct 2023) and 0 of 57 lost money; Tata Balanced Advantage Fund's worst returned 2.3% (started Oct 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = Kotak Balanced Advantage Fund minus Tata Balanced Advantage Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / Tata) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 57 | 44% / 56% | -1.2 pp | -3.0 ppstarted May 2019 | +1.9 ppstarted Oct 2023 |
| 5-year SIPs | 33 | 55% / 45% | +0.1 pp | -2.5 ppstarted Mar 2019 | +1.1 ppstarted Oct 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.
- Tata Balanced Advantage Fund: the Regular plan of the same 5-year SIP ended ₹24,359 below Direct.
Questions
Which has given better SIP returns, Kotak Balanced Advantage Fund or Tata 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 ₹7.04 L in Tata Balanced Advantage Fund (XIRR 6.5%). Past returns don't tell you which will do better next.
Has Kotak Balanced Advantage Fund beaten Tata Balanced Advantage Fund consistently?
In 44% of 57 rolling 3-year SIPs started on the same dates (from Feb 2019), Kotak Balanced Advantage Fund ended ahead of Tata Balanced Advantage Fund (Direct plans). The median difference was -1.2 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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