SBI Blue Chip Fund vs Tata 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%
Dekho, aaj hum do mutual funds ke beech ke tareeke se comparison karne ja rahe hain. Fund A SBI Blue Chip Fund hai, jo Large Cap category mein aata hai. Fund B Tata Liquid Fund hai, jo Liquid Fund category mein aata hai. Aaj hum iske beech ke difference aur apke investment ke liye sabse accha fund kya hai, iske baare mein baat karenge.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Haan, ismein koi shakk nahi ki Fund A SBI Blue Chip Fund long-term wealth creation ke liye sabse accha fund hai. Iska 3Y return 31.25% hai, jo ki bahut hi accha hai. Lekin expense ratio bhi bahut jyaada hai, 0.79%. Fund B ki expense ratio 0.12% hai, jo bahut kam hai. Isliye, Fund B Tata Liquid Fund ke liye koi reason nahi hai, lekin Fund A SBI Blue Chip Fund long-term ke liye 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP suitability ke liye, hum dekhenge ki kiski consistency aur return stability adhik hai. Fund A ki 1Y return 9.84% hai, lekin 3Y return 31.25% hai. Fund B ki 1Y return 6.17% hai, lekin 3Y return 6.93% hai. Isliye, Fund A SBI Blue Chip Fund SIP ke liye bahut hi suitable hai.
⚠️ Risk & Cost Analysis
Riskometer ke anusaar, Fund A ki risk very high hai, jabki Fund B ki risk low hai. Volatility ke liye, Fund A 11.35 hai, jabki Fund B 0.13 hai. Sharpe ratio ke liye, Fund A 2.18 hai, jabki Fund B 3.31 hai. Isliye, Fund B Tata Liquid Fund risk-adjusted returns ke liye bahut hi accha hai.
📊 Portfolio Diversification
Asset allocation ke liye, Fund A ki 97.26% equity mein hai, jabki Fund B ki 65% T-Bills mein hai. Top holdings ke liye, Fund A ki HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) mein hai. Fund B ki top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) mein hai. Isliye, Fund B Tata Liquid Fund asset allocation ke liye bahut hi accha hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
Tata 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?
Sach ye hai ki Fund A SBI Blue Chip Fund ki 5Y return 25.25% hai, jo ki Fund B ki 5Y return 6.11% se bahut hi adhik hai. Isliye, Fund A long run mein accha return de raha hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki risk very high hai, lekin Sharpe ratio bhi bahut hi accha hai, 2.18. Isliye, Fund A ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Fund B ki expense ratio 0.12% hai, jo ki Fund A ki expense ratio 0.79% se bahut kam hai. Isliye, Fund B more 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