SBI Blue Chip Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
19.98%
Chaliye, aaj hum do fundon ke beech ki pehchan karenge. Fund A, SBI Blue Chip Fund, large cap category mein hai. Fund B, SBI ELSS Tax Saver Fund, ELSS category mein hai. Ye donon fund, long term wealth creation ke liye upyaog karenge, lekin ek se badhkar kya hai? Dekho, hum aapko iske beech ki comparison dega.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 166.74 | 462.73 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 11.37 | 15.53 |
| Sharpe Ratio | 0.52 | 0.87 |
| 1 Year Return (%) | -0.75% | -1.1% |
| 3 Year Return (%) | 12.44% | 19.98% |
| 5 Year Return (%) | 13.47% | 17.91% |
| Since Launch (%) | 22.61% | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | Nifty 50 | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 8% | 37% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, SBI ELSS Tax Saver Fund, Fund A se zyada accha hai long-term wealth creation ke liye. Iska 3Y return 19.98% hai, jiska 3Y return Fund A ke liye 12.44% hai. Expense ratio bhi Fund B ke liye 0.93% hai, jo Fund A ke liye 1.43% hai. Riskometer bhi donon fund ke liye Very High hai, lekin volatility aur sharpe ratio ke hisaab se Fund B zyada accha 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 ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Monthly SIP ke liye, Fund B, SBI ELSS Tax Saver Fund, accha hai. Iska 1Y return -1.1% hai, jo Fund A ke liye -0.75% hai. Consistency aur return stability ke hisaab se bhi Fund B zyada accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, sharpe ratio, aur expense ratio ke hisaab se, Fund B, SBI ELSS Tax Saver Fund, Fund A se zyada accha hai. Riskometer donon fund ke liye Very High hai, lekin volatility aur sharpe ratio ke hisaab se Fund B zyada accha hai. Expense ratio Fund B ke liye 0.93% hai, jo Fund A ke liye 1.43% hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, donon fund zyada diversified hain. Lekin sector risk ke hisaab se, Fund A, SBI Blue Chip Fund, Fund B se zyada accha hai. Iska AUM 53,468.34 Cr hai, jo Fund B ke liye 31,093.9 Cr hai. Top holdings concentration ke hisaab se bhi Fund A zyada diversified hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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 B, SBI ELSS Tax Saver Fund, Fund A se zyada accha hai long-term wealth creation ke liye. Iska 5Y return 17.91% hai, jo Fund A ke liye 13.47% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B, SBI ELSS Tax Saver Fund, higher risk fund hai, lekin volatility aur sharpe ratio ke hisaab se, yeh fund Fund A se zyada accha hai. Volatility Fund B ke liye 15.53 hai, jo Fund A ke liye 11.37 hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B, SBI ELSS Tax Saver Fund, Fund A se zyada cost-effective hai. Expense ratio Fund B ke liye 0.93% hai, jo Fund A ke liye 1.43% 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