Focused Fund · head to head · AMFI NAVs
Kotak Focused Fund vs SBI 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 SBI Focused Fund ₹8.22 L (XIRR 12.9%) — SBI Focused Fund ahead by ₹36,690. Across every 3-year SIP since Aug 2019, Kotak Focused Fund finished ahead in 34 of 51 and SBI Focused Fund in 17.
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 | SBI Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -5.3% | ₹1.22 L | 3.0% | ₹1.17 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.92 L | 6.0% | ₹4.17 L | 10.3% | ₹3.92 L / ₹4.16 L |
| 5 years | ₹6,00,000 | ₹7.85 L | 11.0% | ₹8.22 L | 12.9% | ₹7.78 L / ₹8.09 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 67% of them; the median gap was 1.0 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; SBI Focused Fund's worst returned 8.6% (started Apr 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = Kotak Focused Fund minus SBI Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 51 | 67% / 33% | +1.0 pp | -4.1 ppstarted Oct 2023 | +5.7 ppstarted Mar 2021 |
| 5-year SIPs | 27 | 78% / 22% | +0.7 pp | -1.8 ppstarted Oct 2021 | +3.6 ppstarted Oct 2019 |
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.
- SBI Focused Fund beat a plain Nifty 500 index fund in 45% of 49 rolling 3-year SIPs (median gap -0.6 pp a year) — SBI Focused Fund vs Nifty 500 index fund.
- SBI Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,42,761 below Direct.
Questions
Which has given better SIP returns, Kotak Focused Fund or SBI 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 ₹8.22 L in SBI Focused Fund (XIRR 12.9%). Past returns don't tell you which will do better next.
Has Kotak Focused Fund beaten SBI Focused Fund consistently?
In 67% of 51 rolling 3-year SIPs started on the same dates (from Aug 2019), Kotak Focused Fund ended ahead of SBI Focused Fund (Direct plans). The median difference was +1.0 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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