Focused Fund · head to head · AMFI NAVs
Kotak Focused Fund vs UTI Focused Fund (30 stocks): 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 UTI Focused Fund (30 stocks) ₹7.20 L (XIRR 7.4%) — Kotak Focused Fund ahead by ₹65,411. Across every 3-year SIP since Sep 2021, Kotak Focused Fund finished ahead in 20 of 26 and UTI Focused Fund (30 stocks) in 6.
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 | UTI Focused Fund (30 stocks) | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -5.3% | ₹1.15 L | -8.2% | ₹1.17 L / ₹1.15 L |
| 3 years | ₹3,60,000 | ₹3.92 L | 6.0% | ₹3.62 L | 0.4% | ₹3.92 L / ₹3.62 L |
| 5 years | ₹6,00,000 | ₹7.85 L | 11.0% | ₹7.20 L | 7.4% | ₹7.78 L / ₹7.20 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 Focused Fund finished ahead in 77% of them; the median gap was 2.9 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 26 lost money; UTI Focused Fund (30 stocks)'s worst returned 0.9% (started Oct 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = Kotak Focused Fund minus UTI Focused Fund (30 stocks), percentage points a year.
| Window | SIPs compared | Ahead (Kotak / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 26 | 77% / 23% | +2.9 pp | -2.6 ppstarted Sep 2021 | +7.2 ppstarted Jul 2023 |
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.
- UTI Focused Fund (30 stocks) beat a plain Nifty 500 index fund in 42% of 26 rolling 3-year SIPs (median gap -0.2 pp a year) — UTI Focused Fund (30 stocks) vs Nifty 500 index fund.
- UTI Focused Fund (30 stocks): the Regular plan of the same 5-year SIP ended ₹26,310 below Direct.
Questions
Which has given better SIP returns, Kotak Focused Fund or UTI Focused Fund (30 stocks)?
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 ₹7.20 L in UTI Focused Fund (30 stocks) (XIRR 7.4%). Past returns don't tell you which will do better next.
Has Kotak Focused Fund beaten UTI Focused Fund (30 stocks) consistently?
In 77% of 26 rolling 3-year SIPs started on the same dates (from Sep 2021), Kotak Focused Fund ended ahead of UTI Focused Fund (30 stocks) (Direct plans). The median difference was +2.9 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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