SBI Blue Chip Fund vs UTI 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%
Aapke paas do mutual funds hain - SBI Blue Chip Fund aur UTI Liquid Fund. Ye dono alag-alag category mein hain. SBI Blue Chip Fund ek Large Cap fund hai, jabki UTI Liquid Fund ek Liquid Fund hai. Aaj hum is article mein in dono funds ke beech ki comparison karenge aur aapko samjhayenge ki aapke liye kis fund better hai.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.63 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
SBI Blue Chip Fund ek long-term wealth creation ke liye better fund hai. Iska 3Y return 31.25% hai, jabki UTI Liquid Fund ka 3Y return 6.93% hai. Iske alawa, SBI Blue Chip Fund ka expense ratio 0.79% hai, jabki UTI Liquid Fund ka expense ratio 0.12% hai. Lekin, is fund ka riskometer very high hai, jisse iska risk bhi badh jata 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SBI Blue Chip Fund ek monthly SIP ke liye better fund hai. Iska 3Y return aur 5Y return dono high hain, jisse iska return stability bahut accha hai. Lekin, is fund ka riskometer very high hai, jisse iska risk bhi badh jata hai.
⚠️ Risk & Cost Analysis
SBI Blue Chip Fund ka riskometer very high hai, jisse iska risk bhi badh jata hai. Iska volatility 11.35 hai, jabki UTI Liquid Fund ka volatility 0.11 hai. Iske alawa, SBI Blue Chip Fund ka Sharpe ratio 2.18 hai, jabki UTI Liquid Fund ka Sharpe ratio 3.91 hai. Isliye, UTI Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
SBI Blue Chip Fund ka asset allocation ek Large Cap fund ke liye accha hai. Iska 97.26% investment equity mein hai, jisse iska sector risk bhi badh jata hai. Iske alawa, iska top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hai, jisse iska concentration risk bhi badh jata hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% annual return (3Y)
UTI 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?
SBI Blue Chip Fund ka 5Y return 25.25% hai, jabki UTI Liquid Fund ka 5Y return 6.11% hai. Isliye, SBI Blue Chip Fund long-term mein better returns dete hai.
Q2: Is the higher risk fund worth it?
SBI Blue Chip Fund ka riskometer very high hai, jisse iska risk bhi badh jata hai. Iska volatility 11.35 hai, jabki UTI Liquid Fund ka volatility 0.11 hai. Isliye, UTI Liquid Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
UTI Liquid Fund ka expense ratio 0.12% hai, jabki SBI Blue Chip Fund ka expense ratio 0.79% hai. Isliye, UTI Liquid Fund 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