Flexi Cap Fund · head to head · AMFI NAVs
Parag Parikh Flexi Cap Fund vs SBI Flexicap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Parag Parikh Flexi Cap Fund is worth ₹7.71 L (XIRR 10.3%) and SBI Flexicap Fund ₹7.00 L (XIRR 6.3%) — Parag Parikh Flexi Cap Fund ahead by ₹71,215. Across every 5-year SIP since Jun 2013, Parag Parikh Flexi Cap Fund finished ahead in 91 of 101 and SBI Flexicap Fund in 10.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Parag Parikh Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Parag Parikh Flexi 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 | Parag Parikh Flexi Cap Fund | XIRR | SBI Flexicap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -7.7% | ₹1.16 L | -6.9% | ₹1.16 L / ₹1.16 L |
| 3 years | ₹3,60,000 | ₹3.74 L | 2.7% | ₹3.64 L | 0.7% | ₹3.74 L / ₹3.64 L |
| 5 years | ₹6,00,000 | ₹7.71 L | 10.3% | ₹7.00 L | 6.3% | ₹7.65 L / ₹7.00 L |
| 10 years | ₹12,00,000 | ₹27.94 L | 16.4% | ₹20.99 L | 10.9% | ₹26.14 L / ₹20.06 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 101 SIPs, the first starting Jun 2013. Parag Parikh Flexi Cap Fund finished ahead in 90% of them; the median gap was 6.0 percentage points a year in Parag Parikh Flexi Cap Fund's favour.
Downside on the same dates: Parag Parikh Flexi Cap Fund's worst 5-year SIP returned 0.9% a year (started Apr 2015) and 0 of 101 lost money; SBI Flexicap Fund's worst returned -3.9% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Parag Parikh Flexi Cap Fund minus SBI Flexicap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Parag / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 125 | 79% / 21% | +4.2 pp | -8.8 ppstarted Aug 2013 | +16.0 ppstarted Oct 2017 |
| 5-year SIPs | 101 | 90% / 10% | +6.0 pp | -2.5 ppstarted Jun 2013 | +10.3 ppstarted Oct 2015 |
Against an index fund, and the cost of the Regular plan
- Parag Parikh Flexi Cap Fund beat a plain Nifty 500 index fund in 94% of 49 rolling 3-year SIPs (median gap +3.4 pp a year) — Parag Parikh Flexi Cap Fund vs Nifty 500 index fund.
- Parag Parikh Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹1,36,824 below Direct.
- SBI Flexicap Fund beat a plain Nifty 500 index fund in 6% of 49 rolling 3-year SIPs (median gap -1.8 pp a year) — SBI Flexicap Fund vs Nifty 500 index fund.
- SBI Flexicap Fund: the Regular plan of the same 10-year SIP ended ₹1,08,365 below Direct.
Questions
Which has given better SIP returns, Parag Parikh Flexi Cap Fund or SBI Flexicap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.71 L in Parag Parikh Flexi Cap Fund (XIRR 10.3%) and ₹7.00 L in SBI Flexicap Fund (XIRR 6.3%). Past returns don't tell you which will do better next.
Has Parag Parikh Flexi Cap Fund beaten SBI Flexicap Fund consistently?
In 90% of 101 rolling 5-year SIPs started on the same dates (from Jun 2013), Parag Parikh Flexi Cap Fund ended ahead of SBI Flexicap Fund (Direct plans). The median difference was +6.0 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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