Using Fund Compare effectively

Compare puts up to four funds side by side so you choose with evidence, not guesswork. It's the tool to reach for at the end of your research — after the screener has produced a shortlist — when the question becomes "which of these similar funds actually earns its place?"

What each panel tells you

• Rebased growth chart: shows how ₹100 invested in each fund grew over your chosen period (1M to MAX). Rebasing matters because NAVs themselves aren't comparable — a ₹450 NAV isn't "more expensive" than a ₹15 one (why NAV level doesn't matter). The chart's shape also shows temperament: does one line swing much harder in falls?
• Side-by-side table: NAV, AUM, expense ratio, 1/3/5Y returns, Sharpe and rating, with the best value in each row highlighted — a fast visual audit of who wins on what.
• Rolling returns: the consistency test. Instead of one start-date's story, rolling returns compute the outcome from every start date in a window — revealing which fund was reliably good rather than occasionally lucky (how to read them).
• Portfolio overlap: how much two funds actually hold in common — crucial before buying a "second" fund that's secretly the same portfolio.

A worked comparison

Suppose two flexi-cap funds both show ~15% five-year returns. The table shows Fund A charges 0.6% while Fund B charges 1.1% — on a ₹10 lakh holding that's roughly ₹5,000 a year of silent drag. Rolling returns show Fund A beat 12% in 85% of three-year windows versus Fund B's 65%. Same headline return, clearly different quality — that's the decision Compare exists to surface.

Getting the most from it

• Compare within one category — a debt fund vs a mid-cap fund produces colourful charts and zero insight.
• Always use Direct-Growth variants of each fund so costs are on the same basis.
• Look at the longest period available, not just the recent bull stretch.
• Finish with the overlap check if you plan to hold both finalists.

When to re-run a comparison

Comparison isn't a one-time event. Re-run your head-to-head at each yearly review, after a fund-manager change at either fund, or when your holding starts trailing the peer you once rejected. Because the tool works off live data, the same four-fund layout doubles as a monitoring dashboard for decisions you've already made — and quietly tells you when the original reasoning no longer holds.

Numbers describe the past, not the future — treat the comparison as research, not a recommendation. Mutual fund investments are subject to market risks.

→ Put your shortlist head-to-head in the Compare tab.