SBI Blue Chip Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
16.22%
Dekho, aap logon ko yeh pata hai ki SBI Blue Chip Fund aur HDFC ELSS Tax Saver Fund dono hi very high risk pradarshan kar rahe hain. Lekin, yeh dono funds apne apne tarah ke hain. SBI Blue Chip Fund Large Cap category mein aata hai, jabki HDFC ELSS Tax Saver Fund ELSS category mein aata hai. Aaj hum yeh jaanne ki koshish karenge ki yeh dono funds khaas kya hain aur aapki investment ke liye kya upyog hain.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 166.74 | 1325.00 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 1.43% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 11.37 | 13.3 |
| Sharpe Ratio | 0.52 | 0.73 |
| 1 Year Return (%) | -0.75% | -5.24% |
| 3 Year Return (%) | 12.44% | 16.22% |
| 5 Year Return (%) | 13.47% | 16.62% |
| Since Launch (%) | 22.61% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 8% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, yeh dono funds very high risk pradarshan kar rahe hain, lekin HDFC ELSS Tax Saver Fund 3Y aur 5Y return ke liye bhi adhik achha hai. Bina expense ratio ke khaatir, SBI Blue Chip Fund bhi kamjor hai. Isliye, hamara verdict hai ki HDFC ELSS Tax Saver Fund aapki long-term wealth creation ke liye bhi achha 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP mein investment karna aapki wealth creation ke liye bahut achha hai. Dekho, SBI Blue Chip Fund aur HDFC ELSS Tax Saver Fund dono hi consistent return pradarshan kar rahe hain, lekin HDFC ELSS Tax Saver Fund ki consistency adhik hi hai. Isliye, yeh fund aapke liye monthly SIP ke liye bhi achha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi factors ko dekhte samay, SBI Blue Chip Fund kamjor hai. Iski expense ratio bhi adhik hai. Sharpe ratio ke khaatir, HDFC ELSS Tax Saver Fund bhi kamjor hai. Isliye, yeh fund aapke liye bhi risk-adjusted return ke liye kamjor hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko dekhte samay, SBI Blue Chip Fund bhi adhik diversified hai. Iska asset allocation ke 97% equity hai, jabki HDFC ELSS Tax Saver Fund ki asset allocation ke 96.57% equity hai. Isliye, yeh fund aapke liye bhi portfolio diversification ke liye adhik achha hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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, HDFC ELSS Tax Saver Fund 5Y return ke liye 16.62% hai, jabki SBI Blue Chip Fund ke 5Y return 13.47% hai. Isliye, HDFC ELSS Tax Saver Fund aapki long-term wealth creation ke liye bhi achha hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, HDFC ELSS Tax Saver Fund ki volatility adhik hai, lekin sharpe ratio bhi adhik hai. Isliye, HDFC ELSS Tax Saver Fund aapke liye risk-adjusted return ke liye kamjor hai.
Q3: Which fund is more cost-effective?
Sach ye hai, HDFC ELSS Tax Saver Fund ki expense ratio 1.24% hai, jabki SBI Blue Chip Fund ki expense ratio 1.43% hai. Isliye, HDFC ELSS Tax Saver Fund aapke liye bhi 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