SBI Blue Chip Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
31.25%
3Y Return
6.85%
Aaj hum donon fundon, SBI Blue Chip Fund aur Aditya Birla Sun Life Liquid Fund, ke beech comparison karne ja rahen hain. Ye donon fund alag-alag category mein hain, lekin aapko pata chalega ki kaunsa fund long-term wealth creation ke liye achha hai. Dekho, aaj hum is article mein donon fundon ke vishay mein detail jankari de rahen hain.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 443.77 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.13 |
| Sharpe Ratio | 2.18 | 2.69 |
| 1 Year Return (%) | 9.84% | 6.09% |
| 3 Year Return (%) | 31.25% | 6.85% |
| 5 Year Return (%) | 25.25% | 6.05% |
| Since Launch (%) | 12.02% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | BSE 100 Total Return Index | 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% | 279% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye SBI Blue Chip Fund hi achha hai. Iske 3Y return 31.25% hai, jo ki Aditya Birla Sun Life Liquid Fund ke 6.85% se bahut hi zyada hai. Iske alawa, SBI Blue Chip Fund ka expense ratio 0.79% hai, jo ki Aditya Birla Sun Life Liquid Fund ke 0.12% se kam hai. Lekin, isme risk bhi hai, lekin hum samjhe hain ki long-term mein, is fund se aapko better returns mil sakte hain.
Why consider SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Ek monthly SIP ke liye, SBI Blue Chip Fund hi better fund hai. Iske 3Y return aur consistency ke liye, yeh fund aapke paison ka behtar investment hai. Aditya Birla Sun Life Liquid Fund ka return stability nahi hai, aur yeh fund short-term ke liye hi hi hai. Haan, yeh fund liquid hai, lekin long-term mein, SBI Blue Chip Fund hi aapke liye better hai.
⚠️ Risk & Cost Analysis
Aaj hum donon fundon ka riskometer, volatility, Sharpe ratio, aur expense ratio ke vishay mein comparison karne ja rahen hain. SBI Blue Chip Fund ka riskometer Very High hai, lekin iska Sharpe ratio 2.18 hai, jo ki Aditya Birla Sun Life Liquid Fund ke 2.69 se kam hai. Lekin, SBI Blue Chip Fund ka expense ratio 0.79% hai, jo ki Aditya Birla Sun Life Liquid Fund ke 0.12% se kam hai. Haan, yeh fund high risk hai, lekin yeh fund aapko better risk-adjusted returns de sakta hai.
📊 Portfolio Diversification
Aaj hum donon fundon ka asset allocation aur top holdings concentration ke vishay mein comparison karne ja rahen hain. SBI Blue Chip Fund ka asset allocation 97.26% equity aur 2.74% T-Bills mein hai, jo ki Aditya Birla Sun Life Liquid Fund ke 65.00% T-Bills aur 35.00% CD/CP/Cash mein se kai ghante hai. Isme sector risk bhi hai, kyonki yeh fund top 3 holdings me HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein se 3 fund hain. Haan, yeh fund high sector risk hai, lekin yeh fund aapko better returns de sakta hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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, SBI Blue Chip Fund ke 5Y return 25.25% hai, jo ki Aditya Birla Sun Life Liquid Fund ke 6.05% se bahut hi zyada hai.
Q2: Is the higher risk fund worth it?
Haan, yeh fund high risk hai, lekin iska Sharpe ratio 2.18 hai, jo ki Aditya Birla Sun Life Liquid Fund ke 2.69 se kam hai. Lekin, yeh fund aapko better risk-adjusted returns de sakta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Aditya Birla Sun Life Liquid Fund ka expense ratio 0.12% hai, jo ki SBI Blue Chip Fund ke 0.79% 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