SBI Blue Chip Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
31.25%
3Y Return
20.86%
Chaliye dekho, aaj hum do alag-alag types ke mutual funds ke beech ka comparison karne ja rahe hain. Fund A, SBI Blue Chip Fund, ek Large Cap fund hai, jabki Fund B, JM Financial Multi Cap Fund, ek Multi Cap fund hai. Aaj humein yeh jaanana hoga ki kaun se fund long-term mein accha hai aur kyun.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Large Cap | Multi Cap |
| NAV (₹) | 101.68 | 19.01 |
| AUM (₹ Cr) | 5.35 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.79% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 11.35 | 14.35 |
| Sharpe Ratio | 2.18 | 1 |
| 1 Year Return (%) | 9.84% | 5.23% |
| 3 Year Return (%) | 31.25% | 20.86% |
| 5 Year Return (%) | 25.25% | 0% |
| Since Launch (%) | 12.02% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Asit Bhandarkar (3.5 years yrs) |
| Benchmark | BSE 100 Total Return Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 8% | 44% |
🤖 AI Verdict – Which is Better?
Haan, humein yeh pata karna hoga ki 3Y return, expense ratio aur risk ke hisaab se kaun se fund accha hai. Fund A ka 3Y return 31.25% hai, jo Fund B se 10.39% jyada hai. Expense ratio mein bhi Fund A kam hai, 0.79% hai. Riskometer bhi Fund A ka Very High hai, lekin yeh risk se paise kamane ke liye accha hai. Sach ye hai, Fund A long-term mein accha 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 JM Financial Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
SIP ke liye humein consistency aur return stability ka dhyaan rakhna hoga. Fund A ka 1Y return 9.84% hai, jabki Fund B ka 5.23% hai. Isliye, SIP ke liye Fund A accha hai, kyunki yeh jaldi se return deta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisaab se hum dekhenge ki kaun se fund accha hai. Fund A ka riskometer Very High hai, lekin volatility 11.35 hai, jo Fund B ke 14.35 se kam hai. Sharpe ratio bhi Fund A ka 2.18 hai, jo Fund B ke 1 se jyada hai. Expense ratio mein bhi Fund A kam hai, 0.79%. Isliye, Fund A accha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko check karke hum dekhenge ki kaun se fund adhik diversified hai. Fund A ka asset allocation equity 97.26% hai, jo Fund B ke 97% se thoda jyada hai. Top holdings mein bhi Fund A ka HDFC Bank Ltd. 8.73% hai, jo Fund B ke 6.5% se jyada hai. Isliye, Fund A adhik diversified hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Answer: Fund A, SBI Blue Chip Fund, ka 5Y return 25.25% hai, jo Fund B se jyada hai.
Q2: Is the higher risk fund worth it?
Answer: Nahin, Fund A ka volatility 11.35 hai, jo Fund B ke 14.35 se kam hai, aur Sharpe ratio bhi Fund A ka 2.18 hai, jo Fund B ke 1 se jyada hai.
Q3: Which fund is more cost-effective?
Answer: Fund A, SBI Blue Chip Fund, ka expense ratio 0.79% hai, jo Fund B ke 1.68% 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