SBI Blue Chip Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
6.98%
Ek baar phir dekho, kya aap apne investment ke liye Fund A ya Fund B chunenge? Ye dono funds alag-alag category mein hain - Fund A Large Cap fund hai, jabki Fund B Liquid fund. Aaj hum aapko batayenge ki Fund A aur Fund B mein kya aisa hai jo aapko investment ke liye inspire karega.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 39.33 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 4 |
| 1 Year Return (%) | -0.75% | 1.41% |
| 3 Year Return (%) | 12.44% | 6.98% |
| 5 Year Return (%) | 13.47% | 5.96% |
| Since Launch (%) | 22.61% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B mein se konsa fund aapke liye better hai? Dekhiye, Fund A ka 3Y return 12.44% hai, jabki Fund B ka 3Y return 6.98% hai. Lekin, expense ratio ke hisab se Fund B bahut kamjor hai - 0.12% hi hai. Riskometer ke hisab se bhi Fund B low hai. To, haan, Fund A fund aapke liye better hai.
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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
SIP ke hisab se dekho, kya Fund A ya Fund B aapke liye achha hai? Fund A ka 1Y return -0.75% hai, jabki Fund B ka 1Y return 1.41% hai. Lekin, Fund A ka 3Y return Fund B ka 3Y return se bada hai. To, SIP ke hisab se bhi Fund A aapke liye better hai, lekin consistency ke hisab se Fund B achha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisab se dekho, kya Fund A ya Fund B aapke liye better hai. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Volatility ke hisab se bhi Fund A bahut jyada hai - 11.37%. Sharpe ratio ke hisab se bhi Fund A jyada hai - 0.52. Lekin, expense ratio ke hisab se Fund B bahut kamjor hai - 0.12% hi hai. To, haan, Fund B aapke liye better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se dekho, kya Fund A ya Fund B aapke liye better hai. Fund A ka asset allocation Equity mein 97.26% hai, jabki Fund B ka asset allocation T-Bills mein 65.00% hai. Top holdings concentration ke hisab se bhi Fund B achha hai - HDFC Bank CD aur Reliance Industries T-Bills ke hisab se. To, haan, Fund B aapke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Sach ye hai ki Fund A ka 5Y return 13.47% hai, jabki Fund B ka 5Y return 5.96% hai. To, Fund A long run mein better return deti hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Lekin, Sharpe ratio ke hisab se Fund A jyada hai - 0.52. To, Fund A mein investment karna aapke liye better hai.
Q3: Which fund is more cost‑effective?
Haan, Fund B expense ratio se bahut kamjor hai - 0.12% hi hai. To, Fund B aapke liye cost-effective 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