SBI Contra Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
6.85%
Aaj hum do alag-alag category ke mutual funds ke bare mein jaanege: SBI Contra Fund aur Aditya Birla Sun Life Liquid Fund. Ye dono funds Indian investors ke liye kaisa hai aur kis tareeke se invest karna hai, iske bare mein hum janna chaheinge.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 443.77 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.13 |
| Sharpe Ratio | 0.72 | 2.69 |
| 1 Year Return (%) | -1.21% | 6.09% |
| 3 Year Return (%) | 16.36% | 6.85% |
| 5 Year Return (%) | 18.26% | 6.05% |
| Since Launch (%) | 15.48% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 130% | 279% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A, SBI Contra Fund, 3Y return me se behtar hai, lekin expense ratio me Fund B se zyada hai. Isliye, humko lagta hai ki Fund B, Aditya Birla Sun Life Liquid Fund, long-term wealth creation ke liye behtar fund hai.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Agar aap 10+ saal ke liye monthly SIP karna chahte hain, to humko lagta hai ki Fund B, Aditya Birla Sun Life Liquid Fund, consistent returns aur stability ke liye behtar fund hai. Ismein Fund A ki 3Y return bhi kamzor hai, lekin expense ratio bhi zyada hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke bare mein dekhte hue, Fund B thodi kam risk wala fund hai. Sharpe ratio aur expense ratio mein bhi Fund B behtar hai. Isliye, humko lagta hai ki Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke bare mein dekhte hue, Fund A ke portfolio mein zyada sector risk hai, kyonki usme HDFC Bank aur Reliance Industries jaisi company ka share zyada hai. Fund B ke portfolio mein T-Bills aur CD jaise asset allocation hai, jo diversified portfolio banana me madad karte hain.
Q1: Which fund gives better returns in the long run?
Sach ye hai, Fund A ki 5Y return Fund B se behtar hai, lekin ismein expense ratio bhi zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk shayad iske high returns ke liye theek hai, lekin Sharpe ratio aur volatility ke bare mein dekhte hue, Fund B behtar hai.
Q3: Which fund is more cost-effective?
Chaliye, Fund B ki expense ratio Fund A se kam hai, isliye humko lagta hai ki us fund more cost-effective hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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