SBI Blue Chip Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
16.36%
Chaliye, dekho, humein do fund dono ki comparison karni hai - SBI Blue Chip Fund aur SBI Contra Fund. Ye dono fund large cap aur multi cap category mein aate hain. Aaj humein yeh jaanna hai ki yeh dono fund kaise perform karte hain aur kis fund mein long-term wealth creation ke liye investment karna chahiye.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Large Cap | Multi Cap |
| NAV (₹) | 166.74 | 408.51 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.72% |
| Riskometer | Very High | Very High |
| Volatility | 11.37 | 13.7 |
| Sharpe Ratio | 0.52 | 0.72 |
| 1 Year Return (%) | -0.75% | -1.21% |
| 3 Year Return (%) | 12.44% | 16.36% |
| 5 Year Return (%) | 13.47% | 18.26% |
| Since Launch (%) | 22.61% | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 8% | 130% |
🤖 AI Verdict – Which is Better?
Haan, humein yeh decide karna hai ki 3Y return, expense ratio aur risk ke liye kis fund better hai. Sach ye hai, SBI Contra Fund ki 3Y return 16.36% hai, jo ki SBI Blue Chip Fund ki 12.44% se zyada hai. Lekin expense ratio ke liye, SBI Blue Chip Fund ka expense ratio 1.43% hai, jo ki SBI Contra Fund ka 0.72% se zyada hai. Risk ke liye, dono fund very high riskometer par hain, lekin SBI Contra Fund ki volatility 13.7 hai, jo ki SBI Blue Chip Fund ki 11.37 se zyada hai. Toh, humein yeh verdict dilna hai ki SBI Contra Fund long-term wealth creation ke liye 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 SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
SIP suitability ke liye, humein yeh dekha hai ki SBI Blue Chip Fund ki consistency aur return stability kis tarah hai. Fund ki 1Y, 3Y aur 5Y return aise hai: -0.75%, 12.44% aur 13.47% respectively. SBI Contra Fund ki return bhi aise hai: -1.21%, 16.36%, aur 18.26% respectively. Toh, SBI Blue Chip Fund monthly SIP ke liye better suited hai, kyun ki uski return consistent aur stable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye humein yeh compare karna hai. Dono fund very high riskometer par hain, lekin SBI Contra Fund ki volatility 13.7 hai, jo ki SBI Blue Chip Fund ki 11.37 se zyada hai. Sharpe ratio ke liye, SBI Contra Fund ka Sharpe ratio 0.72 hai, jo ki SBI Blue Chip Fund ka 0.52 se zyada hai. Expense ratio ke liye, SBI Contra Fund ka expense ratio 0.72% hai, jo ki SBI Blue Chip Fund ka 1.43% se kam hai. Toh, SBI Contra Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye humein yeh compare karna hai. SBI Blue Chip Fund ki asset allocation aise hai: equity 97.26%, T-Bills 0.78%. SBI Contra Fund ki asset allocation bhi aise hai: equity 81.12%, T-Bills 2.35%, forgan eq 2.19%, debenture 1.92%, CD 1.05%, REITs 0.94%, call option -0.03%, futures -0.16%. Top holdings concentration ke liye, SBI Blue Chip Fund ki top 3 holdings HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) hain. SBI Contra Fund ki top 3 holdings HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) hain. Toh, SBI Contra Fund asset allocation aur top holdings concentration ke liye better diversified hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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?
SBI Contra Fund ki 5Y return 18.26% hai, jo ki SBI Blue Chip Fund ki 13.47% se zyada hai.
Q2: Is the higher risk fund worth it?
SBI Contra Fund ki volatility 13.7 hai, jo ki SBI Blue Chip Fund ki 11.37 se zyada hai, lekin SBI Contra Fund ka Sharpe ratio 0.72 hai, jo ki SBI Blue Chip Fund ka 0.52 se zyada hai.
Q3: Which fund is more cost-effective?
SBI Contra Fund ka expense ratio 0.72% hai, jo ki SBI Blue Chip Fund ka 1.43% se kam 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