SBI Blue Chip Fund vs Quant 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
9.45%
Chaliye dekho, main aapko do mutual funds ke beech ka comparison karne ja raha hoon - SBI Blue Chip Fund aur Quant Mutual Fund Liquid Fund. Ye donon fund alag-alag categories mein ayen hain, lekin dono ke returns aur riskometer ke hisaab se humein unke beech mein kuch similarity aur difference dekhni pad rahi hain. Aaj hum is article mein dono fund ke beech ka complete comparison karne ja rahe hain.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quant Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 22.09 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.13 |
| Sharpe Ratio | 0.52 | 22.69 |
| 1 Year Return (%) | -0.75% | 0.9% |
| 3 Year Return (%) | 12.44% | 9.45% |
| 5 Year Return (%) | 13.47% | 8.38% |
| Since Launch (%) | 22.61% | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 11 June 2019 |
| 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% | 267% |
🤖 AI Verdict – Which is Better?
Haan, lekin chaliye dekho, long-term wealth creation ke liye SBI Blue Chip Fund ka 3Y return aur expense ratio ke hisaab se hamara verdict kya hota hai. Fund A ka 3Y return 12.44% hai, jisaki comparison mein Fund B ka 3Y return 9.45% hai. Lekin expense ratio ke hisaab se Fund B ka expense ratio 0.12% hai, jo ki Fund A ke expense ratio 1.43% se kam hai. Aisa lagta hai ki Fund B long-term wealth creation ke liye aadmi ke liye better option 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 Quant Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye Fund A aur Fund B dono hi suitable hain, lekin chaliye dekho, jisse aapko koi problem nahin ho. Fund A ka 3Y return aur 5Y return mein stability hai, jisse aapko SIP ke liye isme investment karne ka chance milti hai. Fund B ka 1Y return aur 3Y return mein stability nahin hai, lekin 5Y return mein stability hai. Aisa lagta hai ki Fund A SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisaab se humein Fund A aur Fund B ke beech mein kuch similarity aur difference dekhni pad rahi hain. Fund A ka riskometer very high hai, jisse aapko jyada risk lena padta hai. Fund B ka riskometer low hai, jisse aapko kam risk lena padta hai. Lekin volatility ke hisaab se Fund A ka volatility 11.37 hai, jisse aapko jyada risk lena padta hai. Fund B ka volatility 0.13 hai, jisse aapko kam risk lena padta hai. Aisa lagta hai ki Fund B risk-adjusted returns ke hisaab se better option hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se humein Fund A aur Fund B ke beech mein kuch similarity aur difference dekhni pad rahi hain. Fund A ka asset allocation equity mein 97.26% hai aur T-Bills mein 0.78% hai. Fund B ka asset allocation T-Bills mein 65.00% hai, CD mein 20.00% hai, CP mein 10.00% hai, aur cash mein 5.00% hai. Top holdings concentration ke hisaab se Fund A ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Aisa lagta hai ki Fund B asset allocation ke hisaab se better option hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% 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, Fund A ka 5Y return 13.47% hai, jisaki comparison mein Fund B ka 5Y return 8.38% hai. Aisa lagta hai ki Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki jyada risk ke hisaab se aapko jyada return milega, lekin volatility ke hisaab se aapko jyada risk lena padta hai. Fund B ki kam risk ke hisaab se aapko kam return milega, lekin volatility ke hisaab se aapko kam risk lena padta hai. Aisa lagta hai ki Fund B risk-adjusted returns ke hisaab se better option hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo ki Fund A ke expense ratio 1.43% se kam hai. Aisa lagta hai ki Fund B more 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