Focused Fund · head to head · AMFI NAVs
Kotak Focused Fund vs Nippon India Focused Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Kotak Focused Fund is worth ₹7.85 L (XIRR 11.0%) and Nippon India Focused Fund ₹7.22 L (XIRR 7.6%) — Kotak Focused Fund ahead by ₹63,125. Across every 3-year SIP since Aug 2019, Kotak Focused Fund finished ahead in 32 of 51 and Nippon India Focused Fund in 19.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Kotak Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Kotak Focused 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 Focused Fund | XIRR | Nippon India Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -5.3% | ₹1.16 L | -8.0% | ₹1.17 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.92 L | 6.0% | ₹3.68 L | 1.4% | ₹3.92 L / ₹3.68 L |
| 5 years | ₹6,00,000 | ₹7.85 L | 11.0% | ₹7.22 L | 7.6% | ₹7.78 L / ₹7.22 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 51 SIPs, the first starting Aug 2019. Kotak Focused Fund finished ahead in 63% of them; the median gap was 1.4 percentage points a year in Kotak Focused Fund's favour.
Downside on the same dates: Kotak Focused Fund's worst 3-year SIP returned 6.4% a year (started Oct 2023) and 0 of 51 lost money; Nippon India Focused Fund's worst returned 1.8% (started Oct 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = Kotak Focused Fund minus Nippon India Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / Nippon) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 51 | 63% / 37% | +1.4 pp | -6.1 ppstarted Aug 2019 | +6.1 ppstarted Aug 2023 |
| 5-year SIPs | 27 | 59% / 41% | +1.2 pp | -1.3 ppstarted Sep 2019 | +4.0 ppstarted Aug 2021 |
Against an index fund, and the cost of the Regular plan
- Kotak Focused Fund beat a plain Nifty 500 index fund in 73% of 49 rolling 3-year SIPs (median gap +0.6 pp a year) — Kotak Focused Fund vs Nifty 500 index fund.
- Kotak Focused Fund: the Regular plan of the same 5-year SIP ended ₹29,189 below Direct.
- Nippon India Focused Fund beat a plain Nifty 500 index fund in 51% of 49 rolling 3-year SIPs (median gap +0.0 pp a year) — Nippon India Focused Fund vs Nifty 500 index fund.
- Nippon India Focused Fund: the Regular plan of the same 10-year SIP ended ₹95,067 below Direct.
Questions
Which has given better SIP returns, Kotak Focused Fund or Nippon India Focused Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.85 L in Kotak Focused Fund (XIRR 11.0%) and ₹7.22 L in Nippon India Focused Fund (XIRR 7.6%). Past returns don't tell you which will do better next.
Has Kotak Focused Fund beaten Nippon India Focused Fund consistently?
In 63% of 51 rolling 3-year SIPs started on the same dates (from Aug 2019), Kotak Focused Fund ended ahead of Nippon India Focused 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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