Compare Mutual Funds

Comparing mutual funds head-to-head is the most effective way to build a disciplined portfolio. Rather than relying on star ratings or past peak returns, a structured comparison reveals how two funds have actually behaved under identical market conditions — across bull runs, corrections, and sideways phases.

This tool compares up to four funds simultaneously across the metrics that matter most: trailing CAGR returns (1Y, 3Y, 5Y, 10Y), annualised standard deviation (volatility), Sharpe ratio (return per unit of risk), Sortino ratio (downside-adjusted return), and maximum drawdown (worst peak-to-trough decline). All metrics are computed directly from AMFI NAV history — not sourced from AMC marketing materials.

For equity funds, compare funds within the same SEBI category: Large Cap vs Large Cap, Mid Cap vs Mid Cap. Cross-category comparisons mislead because the risk-return profiles are structurally different. For debt funds, compare within the same duration bucket — short-duration against short-duration, gilt against gilt.

A fund with higher 1Y returns but lower 3Y/5Y returns often got lucky in a single market phase. Consistent performers show steadier CAGR across all trailing periods. Low maximum drawdown is particularly important for goal-based investors with fixed time horizons — a 40% drawdown requires a 67% recovery just to break even.

Use the normalised growth chart to see ₹10,000 invested in each fund on the same start date. This removes the NAV-value illusion (a ₹10 NAV fund is not cheaper or better than a ₹200 NAV fund) and shows pure wealth-creation in rupee terms.