SBI Blue Chip Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
31.25%
3Y Return
6.98%
Dekho, aapke paas do alag-alag types ke mutual fund hain - SBI Blue Chip Fund aur Bandhan Liquid Fund. Fund A ek large cap fund hai, jiska mukhya fayda hai ki yeh logon ko badi company ki share mein nivesh karne ka avsar deta hai. Fund B ek liquid fund hai, jiska mukhya fayda hai ki yeh aapko chhoti duration ke investment ke liye ek achha pilihan deta hai. Is lekh mein, hum aapko ye dono funds ke visheshta aur vikalp ke baare mein batayenge.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 39.33 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.12 |
| Sharpe Ratio | 2.18 | 4 |
| 1 Year Return (%) | 9.84% | 1.41% |
| 3 Year Return (%) | 31.25% | 6.98% |
| 5 Year Return (%) | 25.25% | 5.96% |
| Since Launch (%) | 12.02% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko Fund A aur Fund B ke beech ki comparison karke bataayenge. Fund A ka 3Y return 31.25% hai, jabki Fund B ka 3Y return 6.98% hai. Iske alawa, Fund A ka expense ratio 0.79% hai, jabki Fund B ka expense ratio 0.12% hai. Sach ye hai ki Fund A ka riskometer very high hai, lekin yeh fund long-term wealth creation ke liye achha pilihan hai. Toh, hamara verdict hai ki Fund A better fund hai.
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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
SIP Suitability ke liye, hum aapko Fund A aur Fund B ke 1Y, 3Y aur 5Y return ke liye comparison karenge. Fund A ka 3Y return 31.25% hai, jabki Fund B ka 3Y return 6.98% hai. Fund A ka return stability aur consistency Fund B se zyada hai. Isliye, Fund A aapke monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Risk & Cost Analysis ke liye, hum aapko Fund A aur Fund B ke riskometer, volatility, Sharpe ratio aur expense ratio ke liye comparison karenge. Fund A ka riskometer very high hai, lekin yeh fund ke Sharpe ratio 2.18 hai. Fund B ka riskometer low hai, lekin yeh fund ke Sharpe ratio 4 hai. Fund A ka expense ratio 0.79% hai, jabki Fund B ka expense ratio 0.12% hai. Iske alawa, Fund A ka volatility 11.35 hai, jabki Fund B ka volatility 0.12 hai. Toh, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Portfolio Diversification ke liye, hum aapko Fund A aur Fund B ke asset allocation aur top holdings concentration ke liye comparison karenge. Fund A ka asset allocation mein equity 97.26% hai, jabki T-Bills 0.78% hai. Fund B ka asset allocation mein T-Bills 65.00% hai, jabki CD 20.00% hai. Fund A ka top holdings mein HDFC Bank Ltd. 8.73%, ICICI Bank Ltd. 7.76%, aur Reliance Industries Ltd. 6.56% hai. Fund B ka top holdings mein State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% hai. Iske alawa, Fund A ka top holdings mein sector risk hai, jabki Fund B ka asset allocation mein sector risk nahi hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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 ki Fund A ka 5Y return 25.25% hai, jabki Fund B ka 5Y return 5.96% hai. Isliye, Fund A long run mein beter returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 2.18 hai, jabki Fund B ka Sharpe ratio 4 hai. Iske alawa, Fund A ka expense ratio 0.79% hai, jabki Fund B ka expense ratio 0.12% hai. Iske alawa, Fund A ka riskometer very high hai, lekin yeh fund long-term wealth creation ke liye achha pilihan hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.79% hai. Isliye, Fund B cost-effective 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