SBI Blue Chip Fund vs DSP 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
6.77%
Dekho, aaj hum do alag-alag mutual fund ke beech ka comparison karne ja rahe hain. Sabse pehle, Fund A SBI Blue Chip Fund hai, jo large cap category mein aata hai. Fund B DSP Liquid Fund hai, jo liquid fund category mein aata hai. Aaj hum is article mein in dono fund ke beech ka comparison karke dikhaayenge ki konsa fund long-term wealth creation ke liye better hai.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 89.77 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.12 |
| Sharpe Ratio | 2.18 | 2.25 |
| 1 Year Return (%) | 9.84% | 2.95% |
| 3 Year Return (%) | 31.25% | 6.77% |
| 5 Year Return (%) | 25.25% | 5.92% |
| Since Launch (%) | 12.02% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A SBI Blue Chip Fund long-term wealth creation ke liye better hai. Iska 3Y return 31.25% hai, jo Fund B ki 3Y return 6.77% se adhik hai. Haan, iska expense ratio 0.79% hai, jo Fund B ki expense ratio 0.12% se adhik hai. Lekin Fund A ka riskometer Very High hai, jis se humko samajh aata hai ki yeh fund khatarnaak hai. Haan, chaliye, fund ke beech ka comparison karke dekhte hain ki konsa fund better 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP suitability ke liye humein 10+ saal ke liye monthly SIP ke liye fund ka stability aur return ka comparison karna hoga. Fund A ka 3Y return 31.25% hai, jo Fund B ki 3Y return 6.77% se adhik hai. Lekin Fund A ka expense ratio 0.79% hai, jo Fund B ki expense ratio 0.12% se adhik hai. Haan, chaliye, SIP ke liye fund ka consistency aur return stability ka comparison karte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke beech ka comparison karte hain. Fund A ka riskometer Very High hai aur volatility 11.35 hai. Fund B ka riskometer Low hai aur volatility 0.12 hai. Haan, chaliye, risk-adjusted return ka comparison karte hain. Sharpe ratio ke beech ka comparison karte hain, to pata chalta hai ki Fund A ka Sharpe ratio 2.18 hai, jo Fund B ki Sharpe ratio 2.25 se kam hai. Lekin expense ratio ka comparison karte hain, to pata chalta hai ki Fund A ka expense ratio 0.79% hai, jo Fund B ki expense ratio 0.12% se adhik hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte hain. Fund A ka asset allocation Equity 97.26% aur T-Bills 0.78% hai. Fund B ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00% aur Cash 5.00% hai. Haan, chaliye, asset allocation aur top holdings concentration ka comparison karte hain. Fund A ka top 3 holdings HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) hai. Fund B ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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, Fund A SBI Blue Chip Fund long-term wealth creation ke liye better hai. Iska 5Y return 25.25% hai, jo Fund B ki 5Y return 5.92% se adhik hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund A ka riskometer Very High hai aur volatility 11.35 hai. Lekin Fund B ka riskometer Low hai aur volatility 0.12 hai. Haan, chaliye, risk-adjusted return ka comparison karte hain, to pata chalta hai ki Fund B ka Sharpe ratio 2.25 hai, jo Fund A ki Sharpe ratio 2.18 se adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B DSP Liquid Fund cost-effective hai. Iska expense ratio 0.12% hai, jo Fund A ki expense ratio 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