Focused Fund · head to head · AMFI NAVs
Mirae Asset Focused Fund vs SBI Focused Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Mirae Asset Focused Fund is worth ₹6.91 L (XIRR 5.8%) and SBI Focused Fund ₹8.22 L (XIRR 12.9%) — SBI Focused Fund ahead by ₹1,30,434. Across every 3-year SIP since Jun 2019, Mirae Asset Focused Fund finished ahead in 10 of 53 and SBI Focused Fund in 43.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Mirae Asset Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Mirae Asset 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 | Mirae Asset Focused Fund | XIRR | SBI Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.20 L | 0.1% | ₹1.22 L | 3.0% | ₹1.20 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.71 L | 2.1% | ₹4.17 L | 10.3% | ₹3.71 L / ₹4.16 L |
| 5 years | ₹6,00,000 | ₹6.91 L | 5.8% | ₹8.22 L | 12.9% | ₹6.91 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 — 53 SIPs, the first starting Jun 2019. Mirae Asset Focused Fund finished ahead in 19% of them; the median gap was 3.0 percentage points a year in SBI Focused Fund's favour.
Downside on the same dates: Mirae Asset Focused Fund's worst 3-year SIP returned -3.4% a year (started Apr 2023) and 1 of 53 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 = Mirae Asset Focused Fund minus SBI Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (Mirae / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 53 | 19% / 81% | -3.0 pp | -14.1 ppstarted May 2023 | +4.9 ppstarted Jun 2019 |
| 5-year SIPs | 29 | 0% / 100% | -3.7 pp | -10.0 ppstarted May 2021 | -0.4 ppstarted Dec 2019 |
Against an index fund, and the cost of the Regular plan
- Mirae Asset Focused Fund beat a plain Nifty 500 index fund in 6% of 49 rolling 3-year SIPs (median gap -3.2 pp a year) — Mirae Asset Focused Fund vs Nifty 500 index fund.
- Mirae Asset Focused Fund: the Regular plan of the same 5-year SIP ended ₹21,169 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, Mirae Asset Focused Fund or SBI Focused Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹6.91 L in Mirae Asset Focused Fund (XIRR 5.8%) and ₹8.22 L in SBI Focused Fund (XIRR 12.9%). Past returns don't tell you which will do better next.
Has Mirae Asset Focused Fund beaten SBI Focused Fund consistently?
In 19% of 53 rolling 3-year SIPs started on the same dates (from Jun 2019), Mirae Asset Focused Fund ended ahead of SBI Focused Fund (Direct plans). The median difference was -3.0 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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