SBI Blue Chip Fund vs HSBC 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%
Mein aapko do mutual funds ke beech ki comparison karne ke liye aaya hoon - SBI Blue Chip Fund aur HSBC Liquid Fund. Dekho, yeh do funds alag-alag categories mein aate hain. SBI Blue Chip Fund large cap category mein hai, jabki HSBC Liquid Fund liquid fund category mein hai. Aaj humein yeh jaanna hai ki konsa fund long-term wealth creation ke liye better hai.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.13% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Haan, mein aapko batata hoon ki SBI Blue Chip Fund long-term wealth creation ke liye better hai. Yeh fund 3Y return mein 31.25% ka return deta hai, jabki expense ratio 0.79% hai. HSBC Liquid Fund ka 3Y return 6.93% hai, lekin expense ratio 0.13% hai. Dekho, riskometer bhi SBI Blue Chip Fund mein Very High hai, jabki HSBC Liquid Fund mein Low hai. Sach ye hai, yeh fund aapke long-term wealth creation ke liye 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, mein aapko batata hoon ki SBI Blue Chip Fund monthly SIP ke liye better hai. Yeh fund consistency aur return stability kaafi accha hai. Dekho, yeh fund 5Y return mein 25.25% ka return deta hai, jabki HSBC Liquid Fund ka 5Y return 6.11% hai. Lekin, HSBC Liquid Fund ka return stability kaafi accha hai, lekin consistency thoda kam hai.
⚠️ Risk & Cost Analysis
Haan, mein aapko batata hoon ki SBI Blue Chip Fund aur HSBC Liquid Fund ke beech riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison hai. Dekho, SBI Blue Chip Fund ka riskometer Very High hai, jabki HSBC Liquid Fund ka Low hai. Volatility bhi SBI Blue Chip Fund mein 11.35 hai, jabki HSBC Liquid Fund mein 0.11 hai. Sharpe ratio bhi SBI Blue Chip Fund mein 2.18 hai, jabki HSBC Liquid Fund mein 3.91 hai. Expense ratio bhi SBI Blue Chip Fund mein 0.79% hai, jabki HSBC Liquid Fund mein 0.13% hai. Sach ye hai, HSBC Liquid Fund aapko better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Chaliye, mein aapko batata hoon ki SBI Blue Chip Fund aur HSBC Liquid Fund ke beech asset allocation aur top holdings concentration ka comparison hai. Dekho, SBI Blue Chip Fund mein equity ka share 97.26% hai, jabki T-Bills ka share 0.78% hai. HSBC Liquid Fund mein T-Bills ka share 65.00% hai, jabki CD ka share 20.00% hai. Top holdings concentration bhi SBI Blue Chip Fund mein HDFC Bank Ltd, ICICI Bank Ltd, aur Reliance Industries Ltd mein hai, jabki HSBC Liquid Fund mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Sach ye hai, HSBC Liquid Fund aapko better portfolio diversification deta hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
HSBC 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?
SBI Blue Chip Fund ka 5Y return 25.25% hai, jabki HSBC Liquid Fund ka 5Y return 6.11% hai. Sach ye hai, SBI Blue Chip Fund long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
SBI Blue Chip Fund ka riskometer Very High hai, jabki volatility 11.35 hai. HSBC Liquid Fund ka riskometer Low hai, jabki volatility 0.11 hai. Sharpe ratio bhi SBI Blue Chip Fund mein 2.18 hai, jabki HSBC Liquid Fund mein 3.91 hai. Sach ye hai, HSBC Liquid Fund aapko better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
HSBC Liquid Fund ka expense ratio 0.13% hai, jabki SBI Blue Chip Fund ka expense ratio 0.79% hai. Sach ye hai, HSBC Liquid Fund aapko better cost-effectiveness deta 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