SBI Blue Chip Fund vs Tata 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%
Ab dekho, aaj hum do aise mutual funds ke beech compare kar rahe hain joh investor ko long-term wealth creation ke liye aakarshit karte hain. Ye Fund A - SBI Blue Chip Fund hai aur Fund B - Tata Mutual Fund Liquid Fund. Ye dono fund ek-ek kar ke dekhe jayenge.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.13 |
| Sharpe Ratio | 0.52 | 3.31 |
| 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Chaliye, hum 3 saal ke return, expense ratio aur risk factor ke baad se iske baad fund ki performance check karenge. Fund A ka 3 saal ka return 12.44% hai, jisse ye fund long-term wealth creation ke liye better hai. Expense ratio ke liye bhi Fund A 1.43% hai, jo Fund B ki 0.12% se bada hai. Risk factor ke liye bhi Fund A ki riskometer "Very High" hai, jo Fund B ki "Low" riskometer se high hai. Isliye, hum kahaenge ki Fund A 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye Fund B kuchh aur bhi suitable hai. Iska 1 saal ka return 6.17% hai, jo Fund A ki -0.75% se bada hai. Isliye, Fund B monthly SIP ke liye better hai, lekin 10+ saal ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye bhi hum Fund A aur Fund B ke beech compare kar rahe hain. Fund A ki riskometer "Very High" hai, jo Fund B ki "Low" riskometer se high hai. Volatility ke liye bhi Fund A 11.37 hai, jo Fund B ki 0.13 se bada hai. Sharpe ratio ke liye Fund B 3.31 hai, jo Fund A ki 0.52 se high hai. Isliye, Fund B aapko better risk-adjusted returns dene mein madad kar sakta hai.
📊 Portfolio Diversification
Portfolio diversification ke liye bhi hum Fund A aur Fund B ke beech compare kar rahe hain. Fund A ka asset allocation equity mein 97.26% hai, jisse iska portfolio diversified nahi hai. Fund B ka asset allocation T-Bills mein 65.00% hai, jisse iska portfolio diversified hai. Top holdings concentration ke liye bhi Fund B better hai, kyonki iska top holding State Bank of India CD hai, jo 8.5% hai. Isi tarah, Fund B ke portfolio mein sector risk kam hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Tata 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, Fund A ka 5 saal ka return 13.47% hai, jo Fund B ki 6.11% se bada hai. Isliye, Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk factor worth hai, kyonki iska Sharpe ratio 0.52 hai, jisse iska risk-adjusted return better hai. Volatility ke liye bhi Fund A 11.37 hai, jo Fund B ki 0.13 se bada hai. Isliye, Fund A aapko better risk-adjusted returns dene mein madad kar sakta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ki 1.43% se kam hai. Isliye, Fund B aapko more cost-effective investment vikalp dene mein madad kar sakta 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