Flexi Cap Fund · head to head · AMFI NAVs
Tata Flexi Cap Fund vs UTI Flexi Cap Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Tata Flexi Cap Fund is worth ₹7.15 L (XIRR 7.2%) and UTI Flexi Cap Fund ₹6.87 L (XIRR 5.5%) — Tata Flexi Cap Fund ahead by ₹28,306. Across every 5-year SIP since Oct 2018, Tata Flexi Cap Fund finished ahead in 37 of 37 and UTI Flexi Cap Fund in 0.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Tata Flexi Cap Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Tata 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 | Tata Flexi Cap Fund | XIRR | UTI Flexi Cap Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.13 L | -11.9% | ₹1.20 L | 0.2% | ₹1.13 L / ₹1.20 L |
| 3 years | ₹3,60,000 | ₹3.61 L | 0.2% | ₹3.71 L | 2.2% | ₹3.61 L / ₹3.71 L |
| 5 years | ₹6,00,000 | ₹7.15 L | 7.2% | ₹6.87 L | 5.5% | ₹7.15 L / ₹6.87 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. Tata Flexi Cap Fund finished ahead in 100% of them; the median gap was 4.3 percentage points a year in Tata Flexi Cap Fund's favour.
Downside on the same dates: Tata Flexi Cap Fund's worst 5-year SIP returned 7.2% a year (started Oct 2021) and 0 of 37 lost money; UTI Flexi Cap Fund's worst returned 2.0% (started Apr 2021) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Tata Flexi Cap Fund minus UTI Flexi Cap Fund, percentage points a year.
| Window | SIPs compared | Ahead (Tata / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 61 | 72% / 28% | +4.3 pp | -10.3 ppstarted Nov 2018 | +11.2 ppstarted May 2021 |
| 5-year SIPs | 37 | 100% / 0% | +4.3 pp | +1.4 ppstarted Sep 2021 | +7.4 ppstarted Mar 2021 |
Against an index fund, and the cost of the Regular plan
- 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.
- 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, Tata Flexi Cap Fund or UTI Flexi Cap Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.15 L in Tata Flexi Cap Fund (XIRR 7.2%) and ₹6.87 L in UTI Flexi Cap Fund (XIRR 5.5%). Past returns don't tell you which will do better next.
Has Tata Flexi Cap Fund beaten UTI Flexi Cap Fund consistently?
In 100% of 37 rolling 5-year SIPs started on the same dates (from Oct 2018), Tata Flexi Cap Fund ended ahead of UTI Flexi Cap Fund (Direct plans). The median difference was +4.3 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.
More comparisons
- Tata Flexi Cap Fund vs Aditya Birla Sun Life Flexi Cap Fund
- Tata Flexi Cap Fund vs Axis Flexi Cap Fund
- Tata Flexi Cap Fund vs Bandhan Flexi Cap Fund
- Tata Flexi Cap Fund vs DSP Flexi Cap Fund
- Tata Flexi Cap Fund vs HDFC Flexi Cap Fund
- Tata Flexi Cap Fund vs ICICI Prudential Flexi Cap Fund
- UTI Flexi Cap Fund vs Aditya Birla Sun Life Flexi Cap Fund
- UTI Flexi Cap Fund vs Axis Flexi Cap Fund
- UTI Flexi Cap Fund vs Bandhan Flexi Cap Fund
- UTI Flexi Cap Fund vs DSP Flexi Cap Fund
- UTI Flexi Cap Fund vs HDFC Flexi Cap Fund
- UTI Flexi Cap Fund vs ICICI Prudential Flexi Cap Fund