SBI Blue Chip Fund vs Groww 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
6.93%
Dekho, aapke paas do fund hain, SBI Blue Chip Fund aur Groww Mutual Fund Liquid Fund. Dono fundon ka category alag hai, ek Large Cap aur doosra Liquid Fund. Aaj humein unke 3Y return, expense ratio, aur risk ke basis par decide karna hai ki kaun se fund aapke liye accha hai.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.11 |
| Sharpe Ratio | 2.18 | 3.91 |
| 1 Year Return (%) | 9.84% | 6.17% |
| 3 Year Return (%) | 31.25% | 6.93% |
| 5 Year Return (%) | 25.25% | 6.11% |
| Since Launch (%) | 12.02% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Haan, yeh to thoda sa mudda hai! SBI Blue Chip Fund ka 3Y return 31.25% hai, jabki Groww Mutual Fund Liquid Fund ka 3Y return 6.93% hai. Lekin expense ratio mein SBI Blue Chip Fund 0.79% ka hai, jabki Groww Mutual Fund Liquid Fund 0.12% ka hai. Riskometer bhi SBI Blue Chip Fund ka Very High hai, jabki Groww Mutual Fund Liquid Fund ka Low hai. Toh, sach ye hai, Groww Mutual Fund Liquid Fund aapke liye 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye, humein consistency aur return stability ka dhyaan rakhna hoga. SBI Blue Chip Fund ka 1Y return 9.84% hai, jabki Groww Mutual Fund Liquid Fund ka 1Y return 6.17% hai. Lekin SBI Blue Chip Fund ka expense ratio 0.79% hai, jabki Groww Mutual Fund Liquid Fund ka 0.12% hai. Toh, Groww Mutual Fund Liquid Fund aapke liye better fund hai SIP ke liye.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer aur volatility ka mazaak nahin karna chahiye. SBI Blue Chip Fund ka riskometer Very High hai, jabki volatility 11.35 hai. Groww Mutual Fund Liquid Fund ka riskometer Low hai, jabki volatility 0.11 hai. Sharpe ratio mein bhi Groww Mutual Fund Liquid Fund better hai, 3.91 ka hai. Toh, Groww Mutual Fund Liquid Fund aapke liye better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka dhyaan rakhna hoga. SBI Blue Chip Fund mein equity 97.26% hai, jabki Groww Mutual Fund Liquid Fund mein T-Bills 65.00% hai. Top holdings concentration mein bhi Groww Mutual Fund Liquid Fund better hai, State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Toh, Groww Mutual Fund Liquid Fund aapke liye better fund hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
Groww 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, SBI Blue Chip Fund ka 5Y return 25.25% hai, jabki Groww Mutual Fund Liquid Fund ka 5Y return 6.11% hai. Toh, SBI Blue Chip Fund aapke liye better fund hai long-term wealth creation ke liye.
Q2: Is the higher risk fund worth it?
Sach ye hai, SBI Blue Chip Fund ka riskometer Very High hai, jabki volatility 11.35 hai. Groww Mutual Fund Liquid Fund ka riskometer Low hai, jabki volatility 0.11 hai. Sharpe ratio mein bhi Groww Mutual Fund Liquid Fund better hai, 3.91 ka hai. Toh, Groww Mutual Fund Liquid Fund aapke liye better fund hai risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Sach ye hai, Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jabki SBI Blue Chip Fund ka 0.79% hai. Toh, Groww Mutual Fund Liquid Fund aapke liye better fund hai cost-effectiveness ke liye.
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