SBI Blue Chip Fund vs Quantum 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
6.56%
Mein aapke saath ek comparison karne ja raha hoon Fund A aur Fund B ke beech. Fund A SBI Blue Chip Fund hai, jo Large Cap Category mein aata hai. Fund B Quantum Mutual Fund Liquid Fund hai, Liquid Fund Category mein. Aap jante hain ki kis fund mein lagaane ke liye aapko kya dekhna hoga.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 37.04 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.11 |
| Sharpe Ratio | 0.52 | 0.55 |
| 1 Year Return (%) | -0.75% | 5.71% |
| 3 Year Return (%) | 12.44% | 6.56% |
| 5 Year Return (%) | 13.47% | 5.82% |
| Since Launch (%) | 22.61% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Atul Kumar (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% | 231% |
🤖 AI Verdict – Which is Better?
Haan, mein aapko bataata hoon ki Fund A kis trah dekhata hai. Fund A ka 3Y return 12.44% hai, jo kafi achha hai. Expense ratio bhi kam hai, 1.43%. Aur riskometer bhi bahut high hai. Lekin, Fund B ka expense ratio kam hai, 0.12%. Aur riskometer bhi low hai. Sach ye hai, Fund A long-term wealth creation ke liye thoda bhi better 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 Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
SIP suitability ke liye, mein dekta hoon ki Fund A aur Fund B ka 1Y aur 3Y return kaisa hain. Fund A ka 1Y return -0.75% hai, lekin Fund B ka 1Y return 5.71% hai. Fund A ka 3Y return 12.44% hai, lekin Fund B ka 3Y return 6.56% hai. Chaliye, Fund B monthly SIP ke liye better hai, kyunki uska return stability aur consistency kam hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisaab se, mein dekta hoon ki Fund A aur Fund B mein kya hai. Fund A ka riskometer bahut high hai, 11.37. Aur volatility bhi high hai, 0.52. Lekin expense ratio kam hai, 1.43%. Fund B ka riskometer low hai, 0.11. Aur volatility bhi low hai, 0.11. Expense ratio bhi kam hai, 0.12%. Sach ye hai, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Portfolio diversification ke hisaab se, mein dekta hoon ki Fund A aur Fund B mein kya hai. 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. Dekho, Fund B ka asset allocation kam concentration ka hai, aur sector risk bhi kam hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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?
Fund A ka 5Y return 13.47% hai, aur Fund B ka 5Y return 5.82% hai. Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Fund A ka riskometer bahut high hai, 11.37. Aur volatility bhi high hai, 0.52. Lekin, Fund B ka riskometer low hai, 0.11. Aur volatility bhi low hai, 0.11. Fund B better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jo Fund A ka 1.43% se kam hai. Fund B 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