SBI Blue Chip Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
6.85%
Dekho, aapko yahaan hum do fundon ke beech kuchh aisa compare karna hai. Fund A SBI Blue Chip Fund hai, jo Large Cap category mein aata hai, jabki Fund B Aditya Birla Sun Life Liquid Fund hai, jo Liquid Fund category mein aata hai. Aaj hum yahaan in do fundon ke beech aisa compare karenge ki kisne aapko better returns diya hai, riskometer, expense ratio, aur asset allocation ke beech kya antar hai.
[Verdict]| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 443.77 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.13 |
| Sharpe Ratio | 0.52 | 2.69 |
| 1 Year Return (%) | -0.75% | 6.09% |
| 3 Year Return (%) | 12.44% | 6.85% |
| 5 Year Return (%) | 13.47% | 6.05% |
| Since Launch (%) | 22.61% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 8% | 279% |
🤖 AI Verdict – Which is Better?
Haan, yahaan hum yahaan 3Y return, expense ratio, aur riskometer ke beech se dekhte hain. Fund A ka 3Y return 12.44% hai, jabki Fund B ka 3Y return 6.85% hai. Dekho, expense ratio kyon hain? Fund A ka expense ratio 1.43% hai, jabki Fund B ka expense ratio 0.12% hai. Riskometer kyon? Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Haan, yahaan hum yahaan dekh sakte hain, Fund A hai 3Y return aur expense ratio ke beech se accha hai, lekin riskometer ke beech se chota hai. Fund B hai riskometer ke beech se accha hai, lekin expense ratio aur 3Y return ke beech se chota hai. Sach ye hai, Fund A hai long-term wealth creation ke liye better fund hai.
[SIP_Suitability]Why consider SBI Blue Chip Fund?
- Expense ratio: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Kya yahaan SIP karna hai? Dekho, Fund A ki consistency aur return stability Fund B se badi hai. Fund A ka 5Y return 13.47% hai, jabki Fund B ka 5Y return 6.05% hai. Haan, yahaan hum yahaan dekh sakte hain, Fund A ki long-term returns Fund B se badi hain, isliye yahaan Fund A ka SIP karna accha hai.
[Risk_Cost]⚠️ Risk & Cost Analysis
Yahaan hum yahaan riskometer, volatility, Sharpe ratio, aur expense ratio ke beech compare karenge. Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Volatility kyon? Fund A ka volatility 11.37 hai, jabki Fund B ka volatility 0.13 hai. Haan, Sharpe ratio kyon? Fund B ka Sharpe ratio 2.69 hai, jabki Fund A ka Sharpe ratio 0.52 hai. Expense ratio kyon? Fund A ka expense ratio 1.43% hai, jabki Fund B ka expense ratio 0.12% hai. Haan, yahaan hum yahaan dekh sakte hain, Fund B hai risk-adjusted returns ke beech se accha hai.
[Portfolio_Insight]📊 Portfolio Diversification
Kya yahaan portfolio diversification hai? Dekho, Fund A ki asset allocation Fund B se alag hai. Fund A ka asset allocation Equity 97.26% hai, jabki T-Bills 0.78% hai. Fund B ka asset allocation T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai, aur Cash 5.00% hai. Haan, top holdings kyon? Fund A ka top holdings HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), aur Reliance Industries Ltd. (6.56%) hai. Fund B ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Haan, yahaan hum yahaan dekh sakte hain, Fund A ki asset allocation Fund B se alag hai, aur top holdings Fund B se bhi alag hain.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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?
Haan, yahaan Fund A ka 5Y return 13.47% hai, jabki Fund B ka 5Y return 6.05% hai. Isliye, Fund A hai long-term returns ke beech se accha hai.
Q2: Is the higher risk fund worth it?
Haan, yahaan Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Lekin Fund B ka Sharpe ratio 2.69 hai, jabki Fund A ka Sharpe ratio 0.52 hai. Isliye, Fund B hai risk-adjusted returns ke beech se accha hai.
Q3: Which fund is more cost-effective?
Haan, yahaan Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 1.43% hai. Isliye, Fund B hai cost-effective fund 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