Flexi Cap Fund · head to head · AMFI NAVs
SBI Flexicap Fund vs UTI Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years SBI Flexicap Fund is worth ₹7.00 L (XIRR 6.3%) and UTI Flexi Cap Fund ₹6.87 L (XIRR 5.5%) — SBI Flexicap Fund ahead by ₹13,216. Across every 5-year SIP since Feb 2013, SBI Flexicap Fund finished ahead in 71 of 105 and UTI Flexi Cap Fund in 34.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
SBI Flexicap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | SBI Flexicap 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 | SBI Flexicap Fund | XIRR | UTI Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -6.9% | ₹1.20 L | 0.2% | ₹1.16 L / ₹1.20 L |
| 3 years | ₹3,60,000 | ₹3.64 L | 0.7% | ₹3.71 L | 2.2% | ₹3.64 L / ₹3.71 L |
| 5 years | ₹6,00,000 | ₹7.00 L | 6.3% | ₹6.87 L | 5.5% | ₹7.00 L / ₹6.87 L |
| 10 years | ₹12,00,000 | ₹20.99 L | 10.9% | ₹20.63 L | 10.6% | ₹20.06 L / ₹19.73 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 105 SIPs, the first starting Feb 2013. SBI Flexicap Fund finished ahead in 68% of them; the median gap was 1.7 percentage points a year in SBI Flexicap Fund's favour.
Downside on the same dates: SBI Flexicap Fund's worst 5-year SIP returned -3.9% a year (started Apr 2015) and 1 of 105 lost money; UTI Flexi Cap Fund's worst returned -1.7% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = SBI Flexicap Fund minus UTI Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (SBI / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 129 | 61% / 39% | +1.2 pp | -9.8 ppstarted Jan 2018 | +9.5 ppstarted May 2021 |
| 5-year SIPs | 105 | 68% / 32% | +1.7 pp | -6.7 ppstarted Dec 2016 | +7.1 ppstarted Feb 2013 |
Against an index fund, and the cost of the Regular plan
- 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.
- UTI Flexi Cap Fund beat a plain Nifty 500 index fund in 6% of 49 rolling 3-year SIPs (median gap -5.2 pp a year) — UTI Flexi Cap Fund vs Nifty 500 index fund.
- UTI Flexi Cap Fund: the Regular plan of the same 10-year SIP ended ₹83,067 below Direct.
Questions
Which has given better SIP returns, SBI Flexicap Fund or UTI Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.00 L in SBI Flexicap Fund (XIRR 6.3%) and ₹6.87 L in UTI Flexi Cap Fund (XIRR 5.5%). Past returns don't tell you which will do better next.
Has SBI Flexicap Fund beaten UTI Flexi Cap Fund consistently?
In 68% of 105 rolling 5-year SIPs started on the same dates (from Feb 2013), SBI Flexicap Fund ended ahead of UTI Flexi Cap Fund (Direct plans). The median difference was +1.7 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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