SBI Blue Chip Fund vs DSP 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
6.77%
Chaliye dekho, aaj hum kisi bhi ek vittiya vishay mein visheshagya banne ke liye aavashyak hai ki humein do aise vittiya fonds ke beech mein samanya kuchh bhaavishyaktaon ko samajhne ki aavashyakata hoti hai. Aaj hamare paas do aise vittiya fond hai jo ki hamare vittiya vyavasaay mein nivesh karne ke liye ek achha vikalp ho sakte hain. Fund A, SBI Blue Chip Fund, ek large cap fund hai jo ki apne 3 saal ke return mein 12.44% ki gatividhi dikhata hai. Dusri or, Fund B, DSP Liquid Fund, ek liquid fund hai jo ki apne 3 saal ke return mein 6.77% ki gatividhi dikhata hai. Dekhne mein aaya hai ki kis fund ko chunna chahiye.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 89.77 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 2.25 |
| 1 Year Return (%) | -0.75% | 2.95% |
| 3 Year Return (%) | 12.44% | 6.77% |
| 5 Year Return (%) | 13.47% | 5.92% |
| Since Launch (%) | 22.61% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Haan, to aaj hum apne vittiya vishleshan ke anusaar keh sakte hain ki Fund A, SBI Blue Chip Fund, apne long-term wealth creation ke liye ek bhiyaanak fund hai. Iska 3 saal ka return 12.44% hai, jo ki ek achhi gatividhi hai. Iske alawa, iska expense ratio bhi kam hai, jo ki 1.43% hai. Isliye, agar aapko long-term wealth creation ki zaroorat hai to Fund A, SBI Blue Chip Fund, ek achha vikalp ho sakta 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP suitability ke liye, hume monthly SIP ke liye 10+ saal ke liye fund ki consistency aur return stability ka dhyan rakhna hoga. Fund A, SBI Blue Chip Fund, apne 3 saal ke return mein 12.44% ki gatividhi dikhata hai, jo ki ek achhi gatividhi hai. Iske alawa, iska expense ratio bhi kam hai, jo ki 1.43% hai. Isliye, Fund A, SBI Blue Chip Fund, ek achha vikalp ho sakta hai monthly SIP ke liye 10+ saal ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke anusaar, hum dekh sakte hain ki kis fund mein koi aisa hota hai jo ki aapko risk-adjusted returns deta ha. Fund A, SBI Blue Chip Fund, apne riskometer par very high hai, jo ki ek risk-high fund hai. Iske alawa, iska volatility bhi kam hai, jo ki 11.37 hai. Iske alawa, iska expense ratio bhi kam hai, jo ki 1.43% hai. Isliye, Fund A, SBI Blue Chip Fund, ek risk-adjusted returns deta hai.
📊 Portfolio Diversification
Portfolio diversification ke liye, hum asset allocation aur top holdings concentration ka dhyan rakhna hoga. Fund A, SBI Blue Chip Fund, apne asset allocation mein equity mein 97.26% aur T-Bills mein 0.78% hai, jo ki ek achhi asset allocation hai. Iske alawa, iska top holdings concentration bhi kam hai, jo ki HDFC Bank Ltd (8.73%), ICICI Bank Ltd (7.76%), aur Reliance Industries Ltd (6.56%) mein hai. Isliye, Fund A, SBI Blue Chip Fund, ek achha portfolio diversification hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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?
Fund A, SBI Blue Chip Fund, 5Y aur 3Y returns mein adhik hai, lekin expense ratio mein zyada hai. Isliye, Fund B ki chuniye jaane ki sambhavna hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund hai, lekin Sharpe ratio mein Fund B ka ratio 2.25 hai, jo Fund A ka 0.52 se adhik hai. Isliye, Fund B ki chuniye jaane ki sambhavna hai.
Q3: Which fund is more cost-effective?
Fund B, DSP Liquid Fund, expense ratio mein 0.12% hai, jo Fund A ka 1.43% se kam hai. Isliye, Fund B 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