SBI Blue Chip Fund vs PPFAS 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 aaj hum dekhte hai do mutual funds ke beech ki comparison - SBI Blue Chip Fund aur PPFAS Liquid Fund. Fund A Large Cap category mein hai, jabki Fund B Liquid Fund category mein hai. Is article mein hum 3Y return, expense ratio, aur riskometer ke dewara fund ki performance ke beech kuchh sawal uthte hain, lekin aapko dekhte hue fund ki aapke liye kya hai, woh decision aapko apni hoga.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.41 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.12 |
| Sharpe Ratio | 2.18 | 3.58 |
| 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) | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Haan, fund ki aapke liye kya hai? Fund A ke 3Y return 31.25% hai, jabki Fund B ke 3Y return 6.93% hai. Fund A ki expense ratio 0.79% hai, Fund B ki 0.12% hai. Riskometer ke dewara Fund A bahut hi riski fund hai, jabki Fund B bahut hi safe hai. Isliye, Fund A bahut hi accha fund hai long-term wealth creation ke liye, lekin Fund B bahut hi accha fund hai short-term wealth creation ke liye aur risk-free returns 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ab hum dekhte hai ki kis fund mein monthly SIP ke liye accha hai 10+ saal ke liye. Fund A ki consistency aur return stability bahut hi accha hai, lekin Fund B ki consistency aur return stability thodi kam hai. Isliye, Fund A ko monthly SIP ke liye accha hai 10+ saal ke liye.
⚠️ Risk & Cost Analysis
Ab hum dekhte hai ki riskometer, volatility, Sharpe ratio, aur expense ratio ke dewara kis fund mein accha hai. Fund A ki riskometer bahut hi high hai, volatility 11.35% hai, Sharpe ratio 2.18 hai, aur expense ratio 0.79% hai. Fund B ki riskometer low hai, volatility 0.12% hai, Sharpe ratio 3.58 hai, aur expense ratio 0.12% hai. Isliye, Fund B mein accha hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Ab hum dekhte hai ki asset allocation aur top holdings concentration ke dewara kis fund mein accha hai. Fund A ki asset allocation Equity mein 97.26% hai, jabki Fund B ki asset allocation T-Bills mein 65.00% hai. Fund A ki top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai, jabki Fund B ki top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye, Fund B mein accha hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
PPFAS 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 ki 5Y return 25.25% hai aur 3Y return 31.25% hai, jabki Fund B ki 5Y return 6.11% hai aur 3Y return 6.93% hai. Isliye, Fund A fund hai long run mein accha return de sakta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki riskometer bahut hi riski hai, lekin Sharpe ratio 2.18 hai, jo thoda kam hai. Isliye, Fund A mein accha hai risk-adjusted returns ke liye, lekin Fund B mein accha hai risk-free returns ke liye.
Q3: Which fund is more cost-effective?
Haan, Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 0.79% se kam hai. Isliye, Fund B mein accha hai cost-effectiveness ke liye.
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