SBI Blue Chip Fund vs Mirae Asset 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
14.73%
Aaj hum 2 bade funds ke beech ka comparison karne ja rahe hain - SBI Blue Chip Fund aur Mirae Asset ELSS Tax Saver Fund. Dono fund Very High Riskometer rakhte hain lekin inki visheshtaon mein kya antar hai, iske bare mein aapko is lekhe mein pata chalega.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Large Cap | ELSS |
| NAV (₹) | 166.74 | 48.73 |
| AUM (₹ Cr) | 5.35 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 1.43% | 1.62% |
| Riskometer | Very High | Very High |
| Volatility | 11.37 | 13.85 |
| Sharpe Ratio | 0.52 | 0.59 |
| 1 Year Return (%) | -0.75% | 2.19% |
| 3 Year Return (%) | 12.44% | 14.73% |
| 5 Year Return (%) | 13.47% | 12.52% |
| Since Launch (%) | 22.61% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Neelesh Surana (10.5 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%) | HDFC Bank Ltd. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 8% | 69% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, 3Y return, expense ratio aur risk ke anusaar, hum ko lagta hai ki SBI Blue Chip Fund zyada accha fund hai. Iska 3Y return 12.44% hai, jo ki Mirae Asset ELSS Tax Saver Fund ka 14.73% se adhik hai. Ek hi samay par, SBI Blue Chip Fund ka expense ratio 1.43% hai, jo ki Mirae Asset ELSS Tax Saver Fund ka 1.62% se kam 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 Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
Monthly SIP ke liye 10+ saal ke liye, hum SBI Blue Chip Fund ko zyada suitabilte fund ke roop mein dekhte hain. Iska 1Y return -0.75% hai, jo ki Mirae Asset ELSS Tax Saver Fund ka 2.19% se kam hai. Lekin, 3Y aur 5Y return ke anusaar, SBI Blue Chip Fund ka consistency aur return stability zyada achha hai.
⚠️ Risk & Cost Analysis
Hum ek dikhao ki kis fund mein riskometer, volatility, Sharpe ratio aur expense ratio kam hai. Riskometer ke anusaar, dono fund Very High risk rakhte hain. Lekin, volatility ke anusaar, Mirae Asset ELSS Tax Saver Fund 13.85 hai, jo ki SBI Blue Chip Fund ka 11.37 se adhik hai. Sharpe ratio ke anusaar, Mirae Asset ELSS Tax Saver Fund ka 0.59 hai, jo ki SBI Blue Chip Fund ka 0.52 se adhik hai. Expense ratio ke anusaar, SBI Blue Chip Fund ka 1.43% hai, jo ki Mirae Asset ELSS Tax Saver Fund ka 1.62% se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke anusaar, hum dekhte hain ki kis fund mein portfolio diversification zyada achha hai. SBI Blue Chip Fund ka asset allocation Equity 97.26% aur T-Bills 0.78% hai. Mirae Asset ELSS Tax Saver Fund ka asset allocation Equity 99.11% aur Mutual Fund 0.0% hai. Top holdings concentration ke anusaar, SBI Blue Chip Fund ka HDFC Bank Ltd. 8.73%, ICICI Bank Ltd. 7.76% aur Reliance Industries Ltd. 6.56% hai. Mirae Asset ELSS Tax Saver Fund ka HDFC Bank Ltd. 9.53%, ICICI Bank Ltd. 4.84% aur Reliance Industries Ltd. 4.19% hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@14.7% 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, 5Y return ke anusaar, SBI Blue Chip Fund ka 13.47% hai, jo ki Mirae Asset ELSS Tax Saver Fund ka 12.52% se adhik hai. Isliye, SBI Blue Chip Fund long run mein better returns de raha hai.
Q2: Is the higher risk fund worth it?
Haan, Mirae Asset ELSS Tax Saver Fund ka volatility 13.85 hai, jo ki SBI Blue Chip Fund ka 11.37 se adhik hai. Lekin, Sharpe ratio ke anusaar, Mirae Asset ELSS Tax Saver Fund ka 0.59 hai, jo ki SBI Blue Chip Fund ka 0.52 se adhik hai. Isliye, Mirae Asset ELSS Tax Saver Fund ka jyada risk se bhi better returns mile raha hai.
Q3: Which fund is more cost-effective?
SBI Blue Chip Fund ka expense ratio 1.43% hai, jo ki Mirae Asset ELSS Tax Saver Fund ka 1.62% se kam hai. Isliye, SBI Blue Chip Fund 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