SBI Blue Chip Fund vs Kotak Mahindra 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%
Chaliye, dekho, aaj hum do fundon ke beech mein ek comparison karenge. Fund A, SBI Blue Chip Fund hai, jo large cap category mein fallti hai. Fund B, Kotak Mahindra Liquid Fund hai, jo liquid fund category mein fallti hai. Aapko yeh jaanakar aapki fund investment ke liye behtar option choose kar sakte hain.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.18 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 31.25% hai, jo Fund B ki 6.93% se bahut achi hai. Haan, yeh fund bahut high risk hai, lekin expense ratio 0.79% hai, jo bahut jyada nahi hai. Fund B ki expense ratio 0.12% hai, jo bahut kam hai. Isliye, hamara verdict hai ki Fund A better option hai long-term wealth creation ke liye.
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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye, Fund A ki consistency aur return stability bahut achhi hai. Yeh fund 10+ saal ke liye monthly SIP ke liye behtar option hai. Fund B ki returns kam hai, lekin yeh fund monthly SIP ke liye kam risk hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, Fund B bahut kam risk hai. Sharpe ratio 3.91 hai, jo Fund A ke 2.18 se bahut achi hai. Expense ratio bhi 0.12% hai, jo Fund A ke 0.79% se kam hai. Isliye, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund B ki portfolio bahut diversified hai. T-Bills, CD, CP, aur cash ke hisab se, yeh fund sector risk se bachta hai. Fund A ki portfolio bahut concentrated hai, jisme HDFC Bank, ICICI Bank, aur Reliance Industries ke share bahut high hain.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
Kotak Mahindra 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, Fund A ki 5Y return 25.25% hai, jo Fund B ki 6.11% se bahut achi hai. Isliye, Fund A fund ki long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility 11.35 hai, jo Fund B ki 0.11 se bahut jyada hai. Lekin, Sharpe ratio 2.18 hai, jo Fund B ke 3.91 se kam hai. Isliye, Fund A ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ki expense ratio 0.12% hai, jo Fund A ke 0.79% se bahut kam hai. Isliye, Fund B fund cost-effective 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