Mid Cap Fund · head to head · AMFI NAVs
SBI Midcap Fund vs Tata Mid Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years SBI Midcap Fund is worth ₹7.63 L (XIRR 9.8%) and Tata Mid Cap Fund ₹8.24 L (XIRR 13.0%) — Tata Mid Cap Fund ahead by ₹61,317. Across every 5-year SIP since Jan 2013, SBI Midcap Fund finished ahead in 37 of 106 and Tata Mid Cap Fund in 69.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
SBI Midcap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | SBI Midcap 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 Midcap Fund | XIRR | Tata Mid Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.19 L | -2.4% | ₹1.18 L | -3.0% | ₹1.19 L / ₹1.18 L |
| 3 years | ₹3,60,000 | ₹3.75 L | 2.9% | ₹3.87 L | 5.1% | ₹3.75 L / ₹3.87 L |
| 5 years | ₹6,00,000 | ₹7.63 L | 9.8% | ₹8.24 L | 13.0% | ₹7.58 L / ₹8.12 L |
| 10 years | ₹12,00,000 | ₹26.81 L | 15.6% | ₹28.72 L | 16.9% | ₹25.14 L / ₹26.82 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 106 SIPs, the first starting Jan 2013. SBI Midcap Fund finished ahead in 35% of them; the median gap was 1.0 percentage points a year in Tata Mid Cap Fund's favour.
Downside on the same dates: SBI Midcap Fund's worst 5-year SIP returned -9.9% a year (started Apr 2015) and 4 of 106 lost money; Tata Mid Cap Fund's worst returned -3.6% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = SBI Midcap Fund minus Tata Mid Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (SBI / Tata) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 41% / 59% | -2.1 pp | -9.0 ppstarted Oct 2016 | +10.2 ppstarted Oct 2019 |
| 5-year SIPs | 106 | 35% / 65% | -1.0 pp | -6.4 ppstarted May 2015 | +4.7 ppstarted Oct 2017 |
Against an index fund, and the cost of the Regular plan
- SBI Midcap Fund beat a plain Nifty Midcap 150 index fund in 22% of 49 rolling 3-year SIPs (median gap -4.0 pp a year) — SBI Midcap Fund vs Nifty Midcap 150 index fund.
- SBI Midcap Fund: the Regular plan of the same 10-year SIP ended ₹1,41,380 below Direct.
- Tata Mid Cap Fund beat a plain Nifty Midcap 150 index fund in 8% of 49 rolling 3-year SIPs (median gap -1.1 pp a year) — Tata Mid Cap Fund vs Nifty Midcap 150 index fund.
- Tata Mid Cap Fund: the Regular plan of the same 10-year SIP ended ₹2,08,603 below Direct.
Questions
Which has given better SIP returns, SBI Midcap Fund or Tata Mid Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.63 L in SBI Midcap Fund (XIRR 9.8%) and ₹8.24 L in Tata Mid Cap Fund (XIRR 13.0%). Past returns don't tell you which will do better next.
Has SBI Midcap Fund beaten Tata Mid Cap Fund consistently?
In 35% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), SBI Midcap Fund ended ahead of Tata Mid Cap Fund (Direct plans). The median difference was -1.0 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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