SBI Blue Chip Fund vs PPFAS 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%
Dekho, aaj hum do mutual funds ke beech mein compare karenge - SBI Blue Chip Fund aur PPFAS Mutual Fund Liquid Fund. Jab bhi aap invest karna chahte hain, to aapko fund ki category aur investment goals ke saath hi uski performance ko dhyan mein rakhna hota hai. Aaj hum aapko bataenge ki yeh dono funds kitne acche hai aur aapke investment ke liye kitna aasaan hai.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.41 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 3.58 |
| 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund A, SBI Blue Chip Fund, large-cap fund hai jo long-term mein accha return deta hai. Lekin expense ratio 1.43% hai, jo aapke portfolio ko kamaya hua paisa kam karega. Fund B, PPFAS Mutual Fund Liquid Fund, low-risk fund hai jo short-term mein accha return deta hai, lekin expense ratio 0.12% hai, jo Fund A se kam hai. Haan, agar aap long-term mein wealth create karna chahte hain, to Fund A better fund 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP suitabilita ke liye, hum consistently aur return stability ko dekhe hain. Fund B, PPFAS Mutual Fund Liquid Fund, 6.17% aur 6.93% ki return deta hai, jo Fund A se kam hai. Lekin Fund B ki expense ratio Fund A se kam hai, lekin Fund A ki consistency aur return stability Fund B se jyada hai. Chaliye, hum Fund A ko better SIP fund ke roop mein samajhte hain.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, Fund A ki risk Higher hai, lekin Fund B ki risk Low hai. Lekin volatility ke hisab se, Fund A ki volatility 11.37 hai, jo Fund B ki volatility 0.12 se jyada hai. Sharpe ratio ke hisab se, Fund B ki Sharpe ratio 3.58 hai, jo Fund A ki Sharpe ratio 0.52 se jyada hai. Expense ratio ke hisab se, Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 1.43% se kam hai. Haan, hum dekh sakte hain ki Fund B ki risk-adjusted returns Fund A se jyada hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund B ka asset allocation T-Bills, CD, CP aur cash mein 65%, 20%, 10% aur 5% hai, jo Fund A ka asset allocation equity aur T-Bills mein 97.26% aur 0.78% hai. Top holdings concentration ke hisab se, Fund A ka top 3 holdings HDFC Bank, ICICI Bank aur Reliance Industries mein 8.73%, 7.76% aur 6.56% hai, jo Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein 8.5%, 7.2% aur 6.8% hai. Haan, hum dekh sakte hain ki Fund A ka asset allocation aur top holdings concentration Fund B se jyada hi hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
PPFAS 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 ki 5Y return 13.47% hai, jo Fund B ki 5Y return 6.11% se jyada hai. Isliye, Fund A long-run mein best fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki higher risk ko dekhte hue, volatility 11.37 hai, jo Fund B ki volatility 0.12 se jyada hai. Lekin Sharpe ratio ke hisab se, Fund B ki Sharpe ratio 3.58 hai, jo Fund A ki Sharpe ratio 0.52 se jyada hai. Isliye, Fund B ki risk-adjusted returns Fund A se jyada hi hai.
Q3: Which fund is more cost-effective?
Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 1.43% se kam hai. Isliye, Fund B cost-effective fund 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