HDFC Mid Cap Fund vs SBI Debt Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
14.51%
Yaar, dekho, aaj hum do fundon ke beech ki comparison karne ja rahe hain - HDFC Mid Cap Fund aur SBI Debt Fund. Ye donon funds bahut hi alag categories mein hain. HDFC Mid Cap Fund ek mid-cap fund hai, jiski category me sabse badi risk hoti hai, jabki SBI Debt Fund ek debt fund hai, jiska riskometer moderate hai. Aaj hum aapko batayenge ki ye dono funds kya offer karte hain aur aapko kis fund mein investment karna chahiye.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BSBI Debt Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Mid Cap | Debt |
| NAV (₹) | 220.36 | 13.73 |
| AUM (₹ Cr) | 9.47 Lac Cr | 8.34 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.71% |
| Riskometer | Very High | Moderate |
| Volatility | 17.17 | 3 |
| Sharpe Ratio | 0.92 | 2.67 |
| 1 Year Return (%) | 5.95% | 4.95% |
| 3 Year Return (%) | 22.29% | 14.51% |
| 5 Year Return (%) | 20.24% | 12.09% |
| Since Launch (%) | 17.1% | N/A |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 9 April 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | CRISIL Composite Bond Fund Index |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) |
| Asset Allocation | Equity: 93.46% | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% |
| Portfolio Turnover | 13% | 150% |
🤖 AI Verdict – Which is Better?
Humne dekha hai ki HDFC Mid Cap Fund ka 3Y return 22.29% hai, jabki SBI Debt Fund ka 3Y return 14.51% hai. Isse hum aapko kah sakte hain ki HDFC Mid Cap Fund aapke long-term wealth creation ke liye better option hai. Lekin expense ratio ke hisaab se bhi SBI Debt Fund thoda sa chota hai, 0.71% expense ratio ke saath. Chaliye, hum aapko kai factors ke hisaab se dekhenge ki kis fund mein investment karna chahiye.
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 Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
📈 SIP Suitability
Haan, SIP suitability ka dhyan rakhna bahut zaroori hai. Dekho, HDFC Mid Cap Fund ka 1Y return 5.95% hai, jabki SBI Debt Fund ka 1Y return 4.95% hai. Lekin 3Y return mein bhi HDFC Mid Cap Fund aage hai. Isse hum aapko kah sakte hain ki HDFC Mid Cap Fund aapke 10+ saal ke SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer aur volatility ke hisaab se bhi HDFC Mid Cap Fund thoda sa bada hai. Iske riskometer very high hai, aur volatility 17.17 hai. Lekin Sharpe ratio ke hisaab se SBI Debt Fund thoda sa aage hai, 2.67 Sharpe ratio ke saath. Chaliye, hum aapko ismein se kya nikalta hai.
📊 Portfolio Diversification
Haan, portfolio diversification ka dhyan rakhna bahut zaroori hai. Dekho, HDFC Mid Cap Fund ka asset allocation equity mein 93.46% hai, jabki SBI Debt Fund ka asset allocation debt mein 100% hai. Isse hum aapko kah sakte hain ki HDFC Mid Cap Fund aapke portfolio mein thoda sa sector risk hai. Lekin SBI Debt Fund ka top holdings concentration thoda sa kam hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
SBI Debt Fund
₹1351949.82
@14.5% 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?
HDFC Mid Cap Fund ka 5Y return 20.24% hai, jabki SBI Debt Fund ka 5Y return 12.09% hai. Isse hum aapko kah sakte hain ki HDFC Mid Cap Fund aapke long-run returns ke liye better option hai.
Q2: Is the higher risk fund worth it?
HDFC Mid Cap Fund ka riskometer very high hai, aur volatility 17.17 hai. Lekin Sharpe ratio 0.92 hai, jisse hum aapko kah sakte hain ki HDFC Mid Cap Fund aapke risk-adjusted returns ke liye better option hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jabki HDFC Mid Cap Fund ka expense ratio 0.73% hai. Isse hum aapko kah sakte hain ki SBI Debt Fund aapke cost-effectiveness ke liye better option 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