Two funds walk into a table. Only the numbers talk.
NJ Flexi Cap Fund vs ITI Flexi Cap Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ANJ Flexi Cap Fund
NJ Mutual Fund- Flexi Cap Fund
- Direct plan
- Very High Risk
NAV ₹13.58 on 13 Nov 2026
- BITI Flexi Cap Fund
ITI Mutual Fund- Flexi Cap Fund
- Direct plan
- Very High Risk
NAV ₹22.15 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 3 years all of them have been around.
Grew faster
BITI Flexi Cap Fund
ITI Flexi Cap Fund returned 19.8% a year over 3 years, against 8.9% for NJ Flexi Cap Fund. ₹1 lakh invested 3 years ago would be about ₹1.72 Lakh today, against ₹1.29 Lakh.
Smoother ride
ANJ Flexi Cap Fund
NJ Flexi Cap Fund swung the least: about 14.5% a year either way, against 16.5% for ITI Flexi Cap Fund. Lower means fewer scary days.
Fell less in a crash
BITI Flexi Cap Fund
At its worst, ITI Flexi Cap Fund fell 21.4% from its peak, against 26.7% for NJ Flexi Cap Fund. On ₹1 lakh, that's a dip to ₹73,264 at the bottom for NJ Flexi Cap Fund. Could you have held on?
More consistent
BITI Flexi Cap Fund
Pick any day in the past and hold for a year: ITI Flexi Cap Fund ended up in profit 92% of the time, against 38% for NJ Flexi Cap Fund.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- ANJ Flexi Cap Fund₹12,586 from ₹10,000(8% a year)
- BITI Flexi Cap Fund₹16,952 from ₹10,000(19.3% a year)
A one-time ₹10,000 put in 3 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ANJ Flexi Cap Fund
- Strength: Beat a 5-year SBI FD: 8.9% a year over 3 years, against 6.05%
- Watch out: Behind its category: 8.9% a year over 3 years, against a category average of 14.1%
- Watch out: In the bottom quarter of its category over 3 years (#35 of 36)
BITI Flexi Cap Fund
- Strength: Ahead of its category: 19.8% a year over 3 years, against a category average of 14.1%
- Strength: In the top quarter of its category over 3 years (#1 of 36)
- Strength: Beat a 5-year SBI FD: 19.8% a year over 3 years, against 6.05%
- Watch out: Swings more than most funds in its category
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ANJ Flexi Cap Fund | BITI Flexi Cap Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | -1.4%#40 of 42 · avg 4.6% | 15.9%Best#1 of 42 · avg 4.6% |
| 3 yearsPer year, over a full market mood swing | 8.9%#35 of 36 · avg 14.1% | 19.8%Best#1 of 36 · avg 14.1% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 14.5%Bestcategory avg 14.5% | 16.5%category avg 14.5% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −26.7%category avg −26.3% | −21.4%Bestcategory avg −26.3% |
| Best 12 monthsIts strongest year | 61.3%Best | 59.2% |
| Worst 12 monthsIts weakest year | -15% | -6.1%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 38% | 92%Best |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.87%Best | 0.91% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹2,572 Cr | ₹1,588 Cr |
| Minimum SIPSmallest monthly amount | ₹100Best | ₹500 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ANJ Flexi Cap Fund
Might suit you if…
- a smoother ride matters more to you than the top return
BITI Flexi Cap Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit