Flexi Cap Fund · head to head · AMFI NAVs
Parag Parikh Flexi Cap Fund vs Tata Flexi Cap 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 Tata Flexi Cap Fund ₹7.15 L (XIRR 7.2%) — Parag Parikh Flexi Cap Fund ahead by ₹56,125. Across every 5-year SIP since Oct 2018, Parag Parikh Flexi Cap Fund finished ahead in 37 of 37 and Tata Flexi Cap Fund in 0.
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 | Tata Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -7.7% | ₹1.13 L | -11.9% | ₹1.16 L / ₹1.13 L |
| 3 years | ₹3,60,000 | ₹3.74 L | 2.7% | ₹3.61 L | 0.2% | ₹3.74 L / ₹3.61 L |
| 5 years | ₹6,00,000 | ₹7.71 L | 10.3% | ₹7.15 L | 7.2% | ₹7.65 L / ₹7.15 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 37 SIPs, the first starting Oct 2018. Parag Parikh Flexi Cap Fund finished ahead in 100% of them; the median gap was 5.4 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 10.3% a year (started Oct 2021) and 0 of 37 lost money; Tata Flexi Cap Fund's worst returned 7.2% (started Oct 2021) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Parag Parikh Flexi Cap Fund minus Tata Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Parag / Tata) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 61 | 100% / 0% | +4.7 pp | +0.9 ppstarted Sep 2023 | +13.6 ppstarted Dec 2018 |
| 5-year SIPs | 37 | 100% / 0% | +5.4 pp | +2.1 ppstarted Sep 2021 | +8.3 ppstarted Mar 2019 |
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.
- Tata Flexi Cap Fund beat a plain Nifty 500 index fund in 41% of 49 rolling 3-year SIPs (median gap -0.5 pp a year) — Tata Flexi Cap Fund vs Nifty 500 index fund.
- Tata Flexi Cap Fund: the Regular plan of the same 5-year SIP ended ₹24,390 below Direct.
Questions
Which has given better SIP returns, Parag Parikh Flexi Cap Fund or Tata Flexi Cap 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 ₹7.15 L in Tata Flexi Cap Fund (XIRR 7.2%). Past returns don't tell you which will do better next.
Has Parag Parikh Flexi Cap Fund beaten Tata Flexi Cap Fund consistently?
In 100% of 37 rolling 5-year SIPs started on the same dates (from Oct 2018), Parag Parikh Flexi Cap Fund ended ahead of Tata Flexi Cap Fund (Direct plans). The median difference was +5.4 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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