SBI Blue Chip Fund vs LIC Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
20.86%
Today, we're comparing two popular funds: SBI Blue Chip Fund and LIC Mutual Fund Multi Cap Fund. Dekho, these funds fall under different categories - Large Cap and Multi Cap respectively. We'll dig deeper to find out which fund is a better choice for long-term wealth creation. Chaliye, let's get started!
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Large Cap | Multi Cap |
| NAV (₹) | 166.74 | 19.01 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 1.43% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 11.37 | 13.9 |
| Sharpe Ratio | 0.52 | 1.03 |
| 1 Year Return (%) | -0.75% | 5.23% |
| 3 Year Return (%) | 12.44% | 20.86% |
| 5 Year Return (%) | 13.47% | 11.46% |
| Since Launch (%) | 22.61% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Yogesh Patil (3.5 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 8% | 38% |
🤖 AI Verdict – Which is Better?
After analyzing the 3Y return, expense ratio, and risk, we can say that LIC Mutual Fund Multi Cap Fund seems to be a better option for long-term wealth creation. Its 3Y return of 20.86% is significantly higher than SBI Blue Chip Fund's 12.44%. Haan, this is a positive sign! Lekin, we also need to consider the expense ratio, which is 1.68% for LIC Mutual Fund Multi Cap Fund and 1.43% for SBI Blue Chip Fund. Sach ye hai, the difference is not huge, but if you're looking for a slightly higher return, LIC Mutual Fund Multi Cap Fund might be the way to go.
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 LIC Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
When it comes to SIPs, both funds seem to be suitable for long-term investments. However, considering consistency and return stability, SBI Blue Chip Fund appears to be a better option. Its 5Y return of 13.47% is marginally higher than LIC Mutual Fund Multi Cap Fund's 11.46%. Chaliye, let's see how this plays out in the long run!
⚠️ Risk & Cost Analysis
When it comes to risk, both funds have a very high riskometer rating. Lekin, let's compare the volatility, Sharpe ratio, and expense ratio. LIC Mutual Fund Multi Cap Fund has a slightly higher volatility of 13.9, but its Sharpe ratio of 1.03 is higher than SBI Blue Chip Fund's 0.52. Haan, this indicates that LIC Mutual Fund Multi Cap Fund might offer better risk-adjusted returns. However, the expense ratio is higher at 1.68%. Sach ye hai, the trade-off is worth considering, but you should be prepared for higher risks.
📊 Portfolio Diversification
Let's compare the asset allocation and top holdings concentration of both funds. Both funds have a high equity allocation of above 97%. However, LIC Mutual Fund Multi Cap Fund has a slightly lower equity allocation at 97.00%, while SBI Blue Chip Fund has 97.26%. Chaliye, let's look at the top holdings. Both funds have a high concentration in HDFC Bank Ltd. and ICICI Bank Ltd. However, LIC Mutual Fund Multi Cap Fund also has a significant holding in Reliance Industries Ltd.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
LIC Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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 has a 5Y return of 13.47%, while LIC Mutual Fund Multi Cap Fund has a 5Y return of 11.46%. Haan, SBI Blue Chip Fund seems to be a better option for long-term returns.
Q2: Is the higher risk fund worth it?
Yes, if you're willing to take on higher risks, LIC Mutual Fund Multi Cap Fund might be worth considering. Its Sharpe ratio of 1.03 is higher than SBI Blue Chip Fund's 0.52, indicating better risk-adjusted returns.
Q3: Which fund is more cost-effective?
SBI Blue Chip Fund has a lower expense ratio of 1.43%, making it a more cost-effective option compared to LIC Mutual Fund Multi Cap Fund's expense ratio of 1.68%.
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