SBI Blue Chip Fund vs UTI 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 aapko SBI Blue Chip Fund aur UTI Liquid Fund ke beech ka comparison karna hai. Ye donki fund kis category mein aati hain aur donki mein kya difference hai, yaha par humein dekhne ko milega. Dekho, kis fund mein aapko apni rashi invest karna chahiye.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.11 |
| Sharpe Ratio | 0.52 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Haan, Fund B mein 3 saal ki return 12.44% hai, lekin expense ratio 0.12% hai, jo Fund A ke 1.43% se kam hai. Riskometer bhi low hai. Sach ye hai, Fund B aapke long-term wealth creation ke liye behtar fund 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye Fund B zyada suitable hai. Iska reason hai ki Fund B ka return stability aur consistency kaafi zyada hai. Dekho, Fund B ka 1 saal ki return 6.17% hai, jiska koi bhi risk nahi hai. Haan, Fund A ka 1 saal ki return -0.75% hai, jo SIP ke liye theek nahi hai.
⚠️ Risk & Cost Analysis
Haan, riskometer aur volatility ke hisab se Fund B theek hai. Iska riskometer low hai aur volatility 0.11 hai. Lekin, Fund A ka Sharpe ratio 0.52 hai, jo Fund B ka 3.91 se kam hai. Dekho, expense ratio ke maamle mein Fund B 0.12% hai, jo Fund A ka 1.43% se kam hai.
📊 Portfolio Diversification
Ab aapko asset allocation aur top holdings concentration ka comparison karna hai. Dekho, Fund B ka asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai. Iska meaning hai ki Fund B ka portfolio zyada diversified hai. Lekin, Fund A ka asset allocation equity mein 97.26% hai, jo zyada risk hai. Haan, top holdings concentration ke maamle mein Fund A ka HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein 22.05% hai, jo Fund B ka State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein 22.5% se kam hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
UTI 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?
Ans: Fund B aapke long-term wealth creation ke liye behtar fund hai, kyonki uska 5 saal ki return 13.47% hai aur 3 saal ki return 12.44% hai.
Q2: Is the higher risk fund worth it?
Ans: N/A, kyonki Fund A ka riskometer very high hai aur volatility 11.37 hai, jo Fund B ka riskometer low aur volatility 0.11 se zyada hai.
Q3: Which fund is more cost-effective?
Ans: Fund B aapke liye cost-effective fund hai, kyonki uska expense ratio 0.12% hai, jo Fund A 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