Large & Mid Cap Fund · head to head · AMFI NAVs
Kotak Large & Mid Cap Fund vs Mirae Asset Large & Midcap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Kotak Large & Mid Cap Fund is worth ₹7.83 L (XIRR 10.9%) and Mirae Asset Large & Midcap Fund ₹7.54 L (XIRR 9.3%) — Kotak Large & Mid Cap Fund ahead by ₹29,522. Across every 5-year SIP since Jan 2013, Kotak Large & Mid Cap Fund finished ahead in 42 of 106 and Mirae Asset Large & Midcap Fund in 64.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Kotak Large & Mid Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Kotak Large & Mid 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 Large & Mid Cap Fund | XIRR | Mirae Asset Large & Midcap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -7.4% | ₹1.16 L | -6.8% | ₹1.16 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.78 L | 3.4% | ₹3.77 L | 3.2% | ₹3.78 L / ₹3.77 L |
| 5 years | ₹6,00,000 | ₹7.83 L | 10.9% | ₹7.54 L | 9.3% | ₹7.76 L / ₹7.50 L |
| 10 years | ₹12,00,000 | ₹26.00 L | 15.0% | ₹25.55 L | 14.7% | ₹24.44 L / ₹24.05 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 106 SIPs, the first starting Jan 2013. Kotak Large & Mid Cap Fund finished ahead in 40% of them; the median gap was 2.7 percentage points a year in Mirae Asset Large & Midcap Fund's favour.
Downside on the same dates: Kotak Large & Mid Cap Fund's worst 5-year SIP returned -2.1% a year (started Apr 2015) and 1 of 106 lost money; Mirae Asset Large & Midcap Fund's worst returned 0.7% (started Apr 2015) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Kotak Large & Mid Cap Fund minus Mirae Asset Large & Midcap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Kotak / Mirae) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 38% / 62% | -2.8 pp | -19.0 ppstarted Jan 2013 | +8.1 ppstarted Jun 2021 |
| 5-year SIPs | 106 | 40% / 60% | -2.7 pp | -12.3 ppstarted Jan 2013 | +3.8 ppstarted Jun 2019 |
Against an index fund, and the cost of the Regular plan
- Kotak Large & Mid Cap Fund beat a plain Nifty 500 index fund in 100% of 49 rolling 3-year SIPs (median gap +3.8 pp a year) — Kotak Large & Mid Cap Fund vs Nifty 500 index fund.
- Kotak Large & Mid Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,74,468 below Direct.
- Mirae Asset Large & Midcap Fund beat a plain Nifty 500 index fund in 92% of 49 rolling 3-year SIPs (median gap +1.1 pp a year) — Mirae Asset Large & Midcap Fund vs Nifty 500 index fund.
- Mirae Asset Large & Midcap Fund: the Regular plan of the same 10-year SIP ended ₹1,47,218 below Direct.
Questions
Which has given better SIP returns, Kotak Large & Mid Cap Fund or Mirae Asset Large & Midcap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.83 L in Kotak Large & Mid Cap Fund (XIRR 10.9%) and ₹7.54 L in Mirae Asset Large & Midcap Fund (XIRR 9.3%). Past returns don't tell you which will do better next.
Has Kotak Large & Mid Cap Fund beaten Mirae Asset Large & Midcap Fund consistently?
In 40% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Kotak Large & Mid Cap Fund ended ahead of Mirae Asset Large & Midcap Fund (Direct plans). The median difference was -2.7 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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