SBI Blue Chip Fund vs HSBC 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%
Aaj hum do mutual funds ke beech ka comparison karenge - SBI Blue Chip Fund aur HSBC Liquid Fund. Fund A Large Cap category mein hai aur Fund B Liquid Fund category mein. Pehle hum Fund A ki kai visheshtaaon se dekhte hain aur phir Fund B ke baare mein. Chaliye dekhte hain Fund A aur Fund B mein kya kya farq hain.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.13% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Long-term mein aapko jyada peetaambar dikhane wala fund hai SBI Blue Chip Fund. Iska 5-year return 13.47% hai, jabki Fund B ka 5-year return 6.11% hai. Lekin yeh bhi dhyan dena hoga ki Fund A ka expense ratio 1.43% hai, jiska matlab hai ki aapko isse jyada paisa dena hoga. Haan, Fund A ka riskometer bhi Very High hai, lekin iska 3-year return 12.44% hai, jo Fund B ka 6.93% se jyada hai. Sach ye hai, Fund A long-term mein aapko jyada peetaambar dikh sakta hai, lekin aapko iska expense ratio aur riskometer ko dhyan dena hoga.
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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Monthly SIP ke liye Fund B sabse achha fund hai. Iska 1-year return 6.17% hai aur expense ratio 0.13% hai, jo Fund A ke 1-year return aur expense ratio se kam hai. Fund B ka riskometer Low hai, jiska matlab hai ki yeh fund monthly SIP ke liye thoda sa jyada saavdhaan hoga. Chaliye, Fund B monthly SIP ke liye sabse achha fund hai.
⚠️ Risk & Cost Analysis
Fund A ke riskometer Very High hai, lekin Fund B ka riskometer Low hai. Lekin Fund A ka volatility 11.37 hai, jiska matlab hai ki yeh fund thoda sa jyada riski hoga. Fund B ka volatility 0.11 hai, jiska matlab hai ki yeh fund kam riski hoga. Sharpe ratio ke liye Fund B 3.91 hai, jiska matlab hai ki yeh fund Fund A se jyada saavdhaan hoga. Haan, Fund B ka expense ratio 0.13% hai, jiska matlab hai ki yeh fund Fund A se kam expense hoga.
📊 Portfolio Diversification
Fund A ka asset allocation Equity mein 97.26% hai, jiska matlab hai ki yeh fund aapke portfolio mein jyada saavdhaan hoga. Fund B ka asset allocation T-Bills mein 65.00% hai, jiska matlab hai ki yeh fund aapke portfolio mein kam riski hoga. Fund A ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jiska matlab hai ki yeh fund aapke portfolio mein sector riski hoga. Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jiska matlab hai ki yeh fund aapke portfolio mein kam sector riski hoga.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
HSBC 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?
SBI Blue Chip Fund ka 5-year return 13.47% hai, jo HSBC Liquid Fund ka 6.11% se jyada hai. Lekin yeh bhi dhyan dena hoga ki Fund A ka expense ratio 1.43% hai.
Q2: Is the higher risk fund worth it?
SBI Blue Chip Fund ka riskometer Very High hai, lekin yeh fund short-term mein jyada peetaambar dikh sakta hai. Haan, Fund B ka riskometer Low hai, lekin yeh fund jyada kam return dikh sakta hai.
Q3: Which fund is more cost-effective?
HSBC Liquid Fund ka expense ratio 0.13% hai, jo SBI Blue Chip Fund ka 1.43% se kam hai. Haan, Fund B ka expense ratio Fund A ke expense ratio se kam 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