Focused Fund · head to head · AMFI NAVs
Nippon India 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 Nippon India Focused Fund is worth ₹7.22 L (XIRR 7.6%) and UTI Focused Fund (30 stocks) ₹7.20 L (XIRR 7.4%) — Nippon India Focused Fund ahead by ₹2,287. Across every 3-year SIP since Sep 2021, Nippon India Focused Fund finished ahead in 12 of 26 and UTI Focused Fund (30 stocks) in 14.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Nippon India Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Nippon India 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 | Nippon India Focused Fund | XIRR | UTI Focused Fund (30 stocks) | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -8.0% | ₹1.15 L | -8.2% | ₹1.16 L / ₹1.15 L |
| 3 years | ₹3,60,000 | ₹3.68 L | 1.4% | ₹3.62 L | 0.4% | ₹3.68 L / ₹3.62 L |
| 5 years | ₹6,00,000 | ₹7.22 L | 7.6% | ₹7.20 L | 7.4% | ₹7.22 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. Nippon India Focused Fund finished ahead in 46% of them; the median gap was 0.2 percentage points a year in UTI Focused Fund (30 stocks)'s favour.
Downside on the same dates: Nippon India Focused Fund's worst 3-year SIP returned 1.8% 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 = Nippon India Focused Fund minus UTI Focused Fund (30 stocks), percentage points a year.
| Window | SIPs compared | Ahead (Nippon / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 26 | 46% / 54% | -0.2 pp | -4.6 ppstarted Feb 2022 | +2.9 ppstarted Jun 2023 |
Against an index fund, and the cost of the Regular plan
- 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.
- 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, Nippon India Focused Fund or UTI Focused Fund (30 stocks)?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.22 L in Nippon India Focused Fund (XIRR 7.6%) 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 Nippon India Focused Fund beaten UTI Focused Fund (30 stocks) consistently?
In 46% of 26 rolling 3-year SIPs started on the same dates (from Sep 2021), Nippon India Focused Fund ended ahead of UTI Focused Fund (30 stocks) (Direct plans). The median difference was -0.2 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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