SBI Blue Chip Fund vs Groww 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
6.93%
Dekho, aaj hum do mutual funds ke beech mein taal mein baat karenge, SBI Blue Chip Fund aur Groww Mutual Fund Liquid Fund. Ye donon fund alag-alag categories mein aate hain. Ab hum jaanne waale hai ki in dono fund ke characteristics kya hain aur yeh aapko kis tarah se sahi lagta hai.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.11 |
| Sharpe Ratio | 0.52 | 3.91 |
| 1 Year Return (%) | -0.75% | 6.17% |
| 3 Year Return (%) | 12.44% | 6.93% |
| 5 Year Return (%) | 13.47% | 6.11% |
| Since Launch (%) | 22.61% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Chaliye hum isse baat karein ki kaun se fund aapke liye accha hai. Dekhna hai ki 3Y return ke hisaab se, expense ratio aur risk se jude kya hai. Haan, Groww Mutual Fund Liquid Fund aapke liye accha fund hai, kyunki iska 3Y return 6.93% hai, jiska expense ratio 0.12% hai. SBI Blue Chip Fund ka 3Y return 12.44% hai, lekin expense ratio 1.43% hai, jo thoda jyada 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye kya fund accha hai, yeh pata lagana hai zaroori hai. Dekhna hai ki in dono fund ke consistency aur return stability kya hai. Haan, Groww Mutual Fund Liquid Fund ka consistency kam hai, lekin iska return stability jyada hai. Ye fund monthly SIP ke liye accha hai, kyunki iska 1Y return 6.17% hai, jiska 3Y return 6.93% hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sab kuchh compare karna hai. Haan, SBI Blue Chip Fund ka riskometer Very High hai, jiska volatility 11.37 hai. Lekin Sharpe ratio 0.52 hai, jiska expense ratio 1.43% hai. Groww Mutual Fund Liquid Fund ka riskometer Low hai, jiska volatility 0.11 hai. Sharpe ratio 3.91 hai, jiska expense ratio 0.12% hai. Sach ye hai, Groww Mutual Fund Liquid Fund isme se accha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko compare karna hai. Haan, SBI Blue Chip Fund ka asset allocation equity mein 97.26% hai, jiska T-Bills mein 0.78% hai. Top holdings mein HDFC Bank Ltd. 8.73% hai, ICICI Bank Ltd. 7.76% hai, Reliance Industries Ltd. 6.56% hai. Groww Mutual Fund Liquid Fund ka asset allocation T-Bills mein 65.00% hai, jiska CD mein 20.00% hai. Top holdings mein State Bank of India CD 8.5% hai, HDFC Bank CD 7.2% hai, Reliance Industries T-Bills 6.8% hai. Dekhna hai ki Groww Mutual Fund Liquid Fund ka asset allocation jyada diversified hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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, SBI Blue Chip Fund ka 5Y return 13.47% hai, jiska 3Y return 12.44% hai. Lekin Groww Mutual Fund Liquid Fund ka return stability jyada hai, isliye iska 5Y return 6.11% hai, jiska 3Y return 6.93% hai. Dono fund ke hisaab se, SBI Blue Chip Fund aapke liye accha fund hai, lekin aapko apne risk ki zarurat ke hisaab se nirnay lena hoga.
Q2: Is the higher risk fund worth it?
Sach ye hai, SBI Blue Chip Fund ka riskometer Very High hai, jiska volatility 11.37 hai. Groww Mutual Fund Liquid Fund ka riskometer Low hai, jiska volatility 0.11 hai. Sharpe ratio mein, SBI Blue Chip Fund ka Sharpe ratio 0.52 hai, jiska Groww Mutual Fund Liquid Fund ka Sharpe ratio 3.91 hai. Haan, Groww Mutual Fund Liquid Fund isme se accha hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jiska SBI Blue Chip Fund ka expense ratio 1.43% hai. Haan, Groww Mutual Fund Liquid Fund aapke liye accha 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