Value Fund · head to head · AMFI NAVs
Tata Value Fund vs UTI Value Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Tata Value Fund is worth ₹7.72 L (XIRR 10.4%) and UTI Value Fund ₹7.39 L (XIRR 8.5%) — Tata Value Fund ahead by ₹33,066. Across every 5-year SIP since Jan 2013, Tata Value Fund finished ahead in 72 of 106 and UTI Value Fund in 34.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Tata Value Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Tata Value 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 Value Fund | XIRR | UTI Value Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -6.7% | ₹1.14 L | -11.3% | ₹1.16 L / ₹1.14 L |
| 3 years | ₹3,60,000 | ₹3.68 L | 1.6% | ₹3.63 L | 0.6% | ₹3.68 L / ₹3.63 L |
| 5 years | ₹6,00,000 | ₹7.72 L | 10.4% | ₹7.39 L | 8.5% | ₹7.66 L / ₹7.37 L |
| 10 years | ₹12,00,000 | ₹24.13 L | 13.6% | ₹23.62 L | 13.2% | ₹22.80 L / ₹22.36 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. Tata Value Fund finished ahead in 68% of them; the median gap was 0.9 percentage points a year in Tata Value Fund's favour.
Downside on the same dates: Tata Value Fund's worst 5-year SIP returned -5.2% a year (started Apr 2015) and 2 of 106 lost money; UTI Value Fund's worst returned -5.6% (started Apr 2015) and 2 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Tata Value Fund minus UTI Value Fund, percentage points a year.
| Window | SIPs compared | Ahead (Tata / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 52% / 48% | +0.3 pp | -7.4 ppstarted Aug 2018 | +16.8 ppstarted May 2014 |
| 5-year SIPs | 106 | 68% / 32% | +0.9 pp | -4.9 ppstarted Aug 2016 | +12.5 ppstarted Jan 2013 |
Against an index fund, and the cost of the Regular plan
- Tata Value Fund beat a plain Nifty 500 index fund in 94% of 49 rolling 3-year SIPs (median gap +3.2 pp a year) — Tata Value Fund vs Nifty 500 index fund.
- Tata Value Fund: the Regular plan of the same 10-year SIP ended ₹1,50,284 below Direct.
- UTI Value Fund beat a plain Nifty 500 index fund in 94% of 49 rolling 3-year SIPs (median gap +1.5 pp a year) — UTI Value Fund vs Nifty 500 index fund.
- UTI Value Fund: the Regular plan of the same 10-year SIP ended ₹97,300 below Direct.
Questions
Which has given better SIP returns, Tata Value Fund or UTI Value Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.72 L in Tata Value Fund (XIRR 10.4%) and ₹7.39 L in UTI Value Fund (XIRR 8.5%). Past returns don't tell you which will do better next.
Has Tata Value Fund beaten UTI Value Fund consistently?
In 68% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Tata Value Fund ended ahead of UTI Value Fund (Direct plans). The median difference was +0.9 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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