SBI Blue Chip Fund vs Navi 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%
Aapke paas do mutual funds hain jo aapko investmnet ke liye kuch vichar karne ke liye zaroori hain. Fund A, SBI Blue Chip Fund, ek large cap fund hai, jabki Fund B, Navi Mutual Fund Liquid Fund, ek liquid fund hai. Aaj hum dono fundon ka comparison karenge aur aapko pata karenge ki kis fund me invest karna achha hai.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.13 |
| Sharpe Ratio | 0.52 | 3.31 |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hamari raay hai ki Fund A, SBI Blue Chip Fund, better hai. Yeh fund 3 saal ka return 12.44% hai, jiska mukhya fund B, Navi Mutual Fund Liquid Fund, ke 6.93% se adhik hai. Haan, expense ratio bhi Fund A ka 1.43% Fund B ke 0.12% se adhik hai. Lekin riskometer aur volatility ke madhyam se, hum dekh sakte hain ki Fund A kafi jyada risk pradaan karta hai, jabki Fund B bahut kam risk 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Aapko monthly SIP ke liye invest karna hai, toh hum dekhne ke liye hain ki dono fundon ka SIP return stability kis tarah hai. Fund A ka 1 saal ka return -0.75% hai, jabki Fund B ka 6.17% hai. Isse hum dekh sakte hain ki Fund B consistent return deti hai, jabki Fund A bahut jyada fluctuating hai. Haan, Fund B ka 3 saal ka return Fund A se kam hai, lekin yeh fund kam risk hai.
⚠️ Risk & Cost Analysis
Ab hum dono fundon ka riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karenge. Riskometer ke madhyam se, hum dekh sakte hain ki Fund A kafi jyada risk pradaan karta hai, jabki Fund B bahut kam risk hai. Volatility bhi Fund A ka 11.37% Fund B ka 0.13% se adhik hai. Sharpe ratio ke madhyam se, hum dekh sakte hain ki Fund B risk-adjusted return deti hai, jabki Fund A nahin. Expense ratio bhi Fund A ka 1.43% Fund B ke 0.12% se adhik hai.
📊 Portfolio Diversification
Ab hum dono fundon ka asset allocation aur top holdings concentration ka comparison karenge. Fund A ka asset allocation 97.26% equity aur 0.78% T-Bills hai, jabki Fund B ka asset allocation 65% T-Bills, 20% CD, 10% CP, aur 5% cash hai. Top holdings concentration ke madhyam se, hum dekh sakte hain ki Fund A ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jabki Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Navi 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 ki Fund A ka 5 saal ka return 13.47% hai, jabki Fund B ka 6.11% hai. Isse hum dekh sakte hain ki Fund A long run mein better return deti hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A jyada risk pradaan karta hai, lekin Sharpe ratio ke madhyam se hum dekh sakte hain ki Fund A kam risk-adjusted return deti hai. Isse hum dekh sakte hain ki Fund A nahin hi risk-adjusted return deti hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jabki Fund A ka 1.43% hai. Isse hum dekh sakte hain ki Fund B kam 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