Flexi Cap Fund · head to head · AMFI NAVs
Kotak Flexi Cap Fund vs SBI Flexicap 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 SBI Flexicap Fund ₹7.00 L (XIRR 6.3%) — Kotak Flexi Cap Fund ahead by ₹41,871. Across every 5-year SIP since Feb 2013, Kotak Flexi Cap Fund finished ahead in 74 of 105 and SBI Flexicap Fund in 31.
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 | SBI Flexicap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.14 L | -9.9% | ₹1.16 L | -6.9% | ₹1.14 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.71 L | 2.0% | ₹3.64 L | 0.7% | ₹3.71 L / ₹3.64 L |
| 5 years | ₹6,00,000 | ₹7.42 L | 8.7% | ₹7.00 L | 6.3% | ₹7.40 L / ₹7.00 L |
| 10 years | ₹12,00,000 | ₹22.56 L | 12.3% | ₹20.99 L | 10.9% | ₹21.43 L / ₹20.06 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 105 SIPs, the first starting Feb 2013. Kotak Flexi Cap Fund finished ahead in 70% of them; the median gap was 0.9 percentage points a year in Kotak Flexi Cap Fund's favour.
Downside on the same dates: Kotak Flexi Cap Fund's worst 5-year SIP returned -2.8% a year (started Apr 2015) and 1 of 105 lost money; SBI Flexicap Fund's worst returned -3.9% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Kotak Flexi Cap Fund minus SBI Flexicap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 129 | 63% / 37% | +1.0 pp | -4.0 ppstarted Apr 2019 | +6.8 ppstarted Jun 2021 |
| 5-year SIPs | 105 | 70% / 30% | +0.9 pp | -2.0 ppstarted Apr 2017 | +4.0 ppstarted Jul 2020 |
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.
- SBI Flexicap Fund beat a plain Nifty 500 index fund in 6% of 49 rolling 3-year SIPs (median gap -1.8 pp a year) — SBI Flexicap Fund vs Nifty 500 index fund.
- SBI Flexicap Fund: the Regular plan of the same 10-year SIP ended ₹1,08,365 below Direct.
Questions
Which has given better SIP returns, Kotak Flexi Cap Fund or SBI Flexicap 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 ₹7.00 L in SBI Flexicap Fund (XIRR 6.3%). Past returns don't tell you which will do better next.
Has Kotak Flexi Cap Fund beaten SBI Flexicap Fund consistently?
In 70% of 105 rolling 5-year SIPs started on the same dates (from Feb 2013), Kotak Flexi Cap Fund ended ahead of SBI Flexicap Fund (Direct plans). The median difference was +0.9 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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