HDFC Mid Cap Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
16.36%
Dekho, aaj hum do financial funds ke beech mein comparison kar rahe hain. HDFC Mid Cap Fund aur SBI Contra Fund dono very high riskometer wale hain, lekin aapko yeh jaanakar chaliye ki inmein se kaunsa fund long-term wealth creation ke liye better hai. Is article mein hum in dono funds ke 3Y return, expense ratio, aur risk ke beech mein comparison karenge.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Mid Cap | Multi Cap |
| NAV (₹) | 220.36 | 408.51 |
| AUM (₹ Cr) | 9.47 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.72% |
| Riskometer | Very High | Very High |
| Volatility | 17.17 | 13.7 |
| Sharpe Ratio | 0.92 | 0.72 |
| 1 Year Return (%) | 5.95% | -1.21% |
| 3 Year Return (%) | 22.29% | 16.36% |
| 5 Year Return (%) | 20.24% | 18.26% |
| Since Launch (%) | 17.1% | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| Asset Allocation | Equity: 93.46% | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 13% | 130% |
🤖 AI Verdict – Which is Better?
Sach ye hai, fund B, SBI Contra Fund, long-term wealth creation ke liye better fund hai. Iska reason hai ki 3Y return 16.36% hai, lekin expense ratio bhi 0.72% hai. Fund A, HDFC Mid Cap Fund, ka 3Y return 22.29% hai, lekin expense ratio bhi 0.73% hai. Haan, riskometer both funds very high hai, lekin fund B ka Sharpe ratio 0.72 hai, jo fund A se kam hai.
Why consider HDFC Mid Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 22.29%
- AUM: 9.47 Lac Cr
- Sharpe Ratio: 0.92
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
Haan, SIP ke liye fund B, SBI Contra Fund, better hai. Iska reason hai ki yeh fund 1Y return mein bhi negative nahi hai, aur 3Y return mein bhi stable hai. Fund A ka 1Y return 5.95% hai, lekin yeh 3Y return mein 22.29% hai, jo kafi high hai. Isliye, SIP ke liye fund B aapke liye better hai.
⚠️ Risk & Cost Analysis
Chaliye, riskometer aur volatility ke beech mein comparison karte hain. Fund A ka riskometer very high hai, aur volatility bhi 17.17 hai. Fund B ka riskometer bhi very high hai, lekin volatility 13.7 hai, jo fund A se kam hai. Haan, expense ratio bhi fund B mein kam hai, 0.72% hai, fund A ka 0.73% hai. Isliye, fund B aapke liye better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Sach ye hai, fund B ka asset allocation thoda alag hai. Yeh fund 81.12% equity mein hai, aur T-Bills, forgn. Eq, Debenture, CD, REITs, Call Option, aur Futures mein bhi investment karte hain. Fund A ka asset allocation 93.46% equity mein hai, aur koi aur asset class mein investment nahi hai. Isliye, fund B ka asset allocation thoda diversified hai, lekin sector risk bhi hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
fund B, SBI Contra Fund, long-run mein better returns deta hai, 5Y return 18.26% hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ka riskometer bhi very high hai, lekin volatility 13.7 hai, jo fund A se kam hai. Sharpe ratio bhi fund B mein kam hai, lekin yeh fund aapke liye better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
fund B, SBI Contra Fund, more cost-effective hai, expense ratio 0.72% hai, fund A ka expense ratio 0.73% hai.
Mahendra Maurya
6+ Years in Banking, Wealth Management & Financial ServicesFounder & Author of ShareTargetPrice.in. 6+ years in Banking, Wealth Management & Financial Services.
📊 Author & Founder at Share Target Price