SBI Blue Chip Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
31.25%
3Y Return
16.22%
Aapko mila hai yeh do fund, SBI Blue Chip Fund aur HDFC ELSS Tax Saver Fund. Ye do fund Category mein hain, lekin ek Large Cap aur doosra ELSS hai. Aaj hum dekhege ki dono fund mein kya kuchh alag hai aur kya aapke liye sahi hai.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Large Cap | ELSS |
| NAV (₹) | 101.68 | 1325.00 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.79% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 11.35 | 13.3 |
| Sharpe Ratio | 2.18 | 0.73 |
| 1 Year Return (%) | 9.84% | -5.24% |
| 3 Year Return (%) | 31.25% | 16.22% |
| 5 Year Return (%) | 25.25% | 16.62% |
| Since Launch (%) | 12.02% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | BSE 100 Total Return Index | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 8% | 32% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum 3Y return, expense ratio, aur risk par dhyan denge. Fund A, SBI Blue Chip Fund, ne 3Y mein 31.25% ki return di hai, jo ki Fund B, HDFC ELSS Tax Saver Fund, ki 16.22% se bahut acchi hai. Expense ratio ke liye, Fund A 0.79% hai, jabki Fund B 1.24% hai. Riskometer ke liye, dono fund Very High hai, lekin Fund A ka Sharpe ratio 2.18 hai, jo ki Fund B ki 0.73 se bahut accha hai. Isliye, hum Fund A, SBI Blue Chip Fund ko long-term wealth creation ke liye better fund manaenge.
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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Monthly SIP ke liye, hum consistency aur return stability par dhyan denge. Fund A ne 5Y mein 25.25% ki return di hai, jo ki Fund B ki 16.62% se bahut acchi hai. Fund A ka asset allocation 97.26% Equity hai, jo ki Fund B ki 96.57% se thoda zyada hai. Isliye, hum Fund A ko monthly SIP ke liye better fund manaenge.
⚠️ Risk & Cost Analysis
Hum riskometer, volatility, Sharpe ratio, aur expense ratio par dhyan denge. Fund A ka riskometer Very High hai, lekin Fund B ki volatility 13.3 hai, jo ki Fund A ki 11.35 se zyada hai. Fund A ka Sharpe ratio 2.18 hai, jo ki Fund B ki 0.73 se bahut accha hai. Expense ratio ke liye, Fund A 0.79% hai, jabki Fund B 1.24% hai. Isliye, hum Fund A ko better risk-adjusted return manaenge.
📊 Portfolio Diversification
Hum asset allocation aur top holdings concentration par dhyan denge. Fund A ka asset allocation 97.26% Equity hai, jo ki Fund B ki 96.57% se thoda zyada hai. Fund A ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jo ki Fund B ka top 3 holdings ICICI Bank Ltd., HDFC Bank Ltd., aur Axis Bank Ltd. hai. Isliye, hum Fund A ko better portfolio diversification manaenge.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
SBI Blue Chip Fund ne 5Y mein 25.25% ki return di hai, jo ki HDFC ELSS Tax Saver Fund ki 16.62% se bahut acchi hai.
Q2: Is the higher risk fund worth it?
HDFC ELSS Tax Saver Fund ki volatility 13.3 hai, jo ki SBI Blue Chip Fund ki 11.35 se zyada hai. Lekin SBI Blue Chip Fund ka Sharpe ratio 2.18 hai, jo ki HDFC ELSS Tax Saver Fund ki 0.73 se bahut accha hai.
Q3: Which fund is more cost‑effective?
SBI Blue Chip Fund ka expense ratio 0.79% hai, jo ki HDFC ELSS Tax Saver Fund ki 1.24% se thoda 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