Flexi Cap Fund · head to head · AMFI NAVs
Kotak Flexi Cap Fund vs Nippon India Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Kotak Flexi Cap Fund is worth ₹7.42 L (XIRR 8.7%) and Nippon India Flexi Cap Fund ₹7.35 L (XIRR 8.3%) — Kotak Flexi Cap Fund ahead by ₹6,480. Across every 3-year SIP since Sep 2021, Kotak Flexi Cap Fund finished ahead in 20 of 26 and Nippon India Flexi Cap Fund in 6.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Kotak Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Kotak Flexi 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 | Kotak Flexi Cap Fund | XIRR | Nippon India Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.14 L | -9.9% | ₹1.17 L | -5.8% | ₹1.14 L / ₹1.17 L |
| 3 years | ₹3,60,000 | ₹3.71 L | 2.0% | ₹3.67 L | 1.3% | ₹3.71 L / ₹3.67 L |
| 5 years | ₹6,00,000 | ₹7.42 L | 8.7% | ₹7.35 L | 8.3% | ₹7.40 L / ₹7.34 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 26 SIPs, the first starting Sep 2021. Kotak Flexi Cap Fund finished ahead in 77% of them; the median gap was 1.4 percentage points a year in Kotak Flexi Cap Fund's favour.
Downside on the same dates: Kotak Flexi Cap Fund's worst 3-year SIP returned 2.5% a year (started Oct 2023) and 0 of 26 lost money; Nippon India Flexi Cap Fund's worst returned 1.5% (started Apr 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = Kotak Flexi Cap Fund minus Nippon India Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / Nippon) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 26 | 77% / 23% | +1.4 pp | -3.0 ppstarted Sep 2021 | +4.5 ppstarted Feb 2023 |
Against an index fund, and the cost of the Regular plan
- Kotak Flexi Cap Fund beat a plain Nifty 500 index fund in 67% of 49 rolling 3-year SIPs (median gap +0.8 pp a year) — Kotak Flexi Cap Fund vs Nifty 500 index fund.
- Kotak Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,19,912 below Direct.
- Nippon India Flexi Cap Fund beat a plain Nifty 500 index fund in 65% of 26 rolling 3-year SIPs (median gap +0.5 pp a year) — Nippon India Flexi Cap Fund vs Nifty 500 index fund.
- Nippon India Flexi Cap Fund: the Regular plan of the same 5-year SIP ended ₹25,600 below Direct.
Questions
Which has given better SIP returns, Kotak Flexi Cap Fund or Nippon India Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.42 L in Kotak Flexi Cap Fund (XIRR 8.7%) and ₹7.35 L in Nippon India Flexi Cap Fund (XIRR 8.3%). Past returns don't tell you which will do better next.
Has Kotak Flexi Cap Fund beaten Nippon India Flexi Cap Fund consistently?
In 77% of 26 rolling 3-year SIPs started on the same dates (from Sep 2021), Kotak Flexi Cap Fund ended ahead of Nippon India Flexi Cap Fund (Direct plans). The median difference was +1.4 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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