SBI Blue Chip Fund vs Navi 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%
Ab hum aapko do mutual funds ke beech ka comparison karne ja rahen hain. Ye dono funds alag-alag categories mein hain aur unke return aur risk alag-alag hain. Is article mein hum aapko Fund A (SBI Blue Chip Fund) aur Fund B (Navi Mutual Fund Liquid Fund) ke beech ka comparison karke dikhaayenge.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.13 |
| Sharpe Ratio | 2.18 | 3.31 |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, hum sochte hain ki Fund A, SBI Blue Chip Fund, long-term wealth creation ke liye better option hai. Yeh fund 3Y return me 31.25% ka return de raha hai, jo bahut hi achha hai. Lekin expense ratio 0.79% hai, jo thoda jyada hai. Iske alawa, riskometer Very High hai, jo aapko dhang se sochne k liye kahta hai. Fund B, Navi Mutual Fund Liquid Fund, Liquid Fund Category me hai, jiska riskometer Low hai, lekin expense ratio 0.12% hai, jo bahut jyada accha hai. Lekin yeh fund 3Y return me 6.93% ka return de raha hai, jo Fund A ke mukabla thoda kam hai. Haan, hum sochte hain ki Fund A long-term wealth creation ke liye better option 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Chaliye, SIP (Systematic Investment Plan) ke liye kya option accha hai. Haan, hum sochte hain ki Fund A, SBI Blue Chip Fund, SIP ke liye accha option hai. Yeh fund 3Y return me bahut hi achha hai aur expense ratio kam hai. Iske alawa, yeh fund long-term wealth creation ke liye better option hai. Lekin Fund B, Navi Mutual Fund Liquid Fund, Liquid Fund Category me hai, jiska riskometer Low hai, lekin yeh fund 3Y return me thoda kam hai. Haan, hum sochte hain ki Fund A SIP ke liye accha option hai.
⚠️ Risk & Cost Analysis
Ab riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karein. Haan, Fund A, SBI Blue Chip Fund, riskometer Very High hai, jo dhang se sochne k liye kahta hai. Iske alawa, volatility 11.35 hai, jo thoda jyada hai. Lekin Sharpe ratio 2.18 hai, jo Fund B ke mukabla thoda kam hai. Iske alawa, expense ratio 0.79% hai, jo Fund B ke mukabla jyada hai. Fund B, Navi Mutual Fund Liquid Fund, riskometer Low hai, jo accha hai. Iske alawa, volatility 0.13 hai, jo Fund A ke mukabla thoda kam hai. Lekin Sharpe ratio 3.31 hai, jo Fund A ke mukabla thoda jyada hai. Iske alawa, expense ratio 0.12% hai, jo Fund A ke mukabla thoda kam hai. Haan, Fund B risk-adjusted returns ke liye better option hai.
📊 Portfolio Diversification
Chaliye, asset allocation aur top holdings concentration ka comparison karein. Haan, Fund A, SBI Blue Chip Fund, asset allocation me Equity 97.26% hai, jo thoda jyada hai. Iske alawa, top holdings concentration me HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jo thoda jyada hai. Fund B, Navi Mutual Fund Liquid Fund, asset allocation me T-Bills 65.00% hai, jo accha hai. Iske alawa, top holdings concentration me State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jo thoda jyada hai. Haan, Fund B portfolio diversification ke liye better option hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
Navi 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?
Haan, Fund A, SBI Blue Chip Fund, 5Y return me 25.25% ka return de raha hai, jo Fund B ke mukabla thoda jyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A, SBI Blue Chip Fund, Sharpe ratio 2.18 hai, jo Fund B ke mukabla thoda kam hai, lekin yeh fund 3Y return me bahut hi achha hai. Isliye, yeh fund worth hai.
Q3: Which fund is more cost‑effective?
Haan, Fund B, Navi Mutual Fund Liquid Fund, expense ratio 0.12% hai, jo Fund A ke mukabla thoda kam hai. Isliye, yeh 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