SBI Contra Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
6.98%
Aaj hum do fundon ke beech me comparison karne ja rhe hain - SBI Contra Fund aur Bandhan Mutual Fund Liquid Fund. Fund A ek Multi Cap fund hai aur Fund B ek Liquid Fund hai. Is article me hum aapko fundon ke beech kya difference hai aur konsa fund long term investment ke liye better hai, ye jaanenge. Chaliye aap dekhein fundon ke vishay.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 39.33 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.12 |
| Sharpe Ratio | 0.72 | 4 |
| 1 Year Return (%) | -1.21% | 1.41% |
| 3 Year Return (%) | 16.36% | 6.98% |
| 5 Year Return (%) | 18.26% | 5.96% |
| Since Launch (%) | 15.48% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund A ka 3Y return 16.36% hai, jo Fund B ke 6.98% se adhik hai. Lekin expense ratio bhi bahut mahatvapoorn hai. Fund A ka expense ratio 0.72% hai, jo Fund B ke 0.12% se adhik hai. Riskometer bhi bahut mahatvapoorn hai. Fund A ka riskometer very high hai, jo Fund B ke low se adhik hai. Haan, Fund A Fund B se adhik risk lene ke liye taiyar hai. Lekin long-term investment ke liye, Fund A better 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Monthly SIP ke liye, Fund A better hai. Fund A ka 3Y return Fund B se adhik hai aur expense ratio bhi adhik nahi hai. Lekin Fund B ka 1Y return better hai. Haan, Fund A ka consistency aur return stability me better hai. Dekho, Fund A 10+ years ke liye monthly SIP ke liye aapka better investment hoga.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se, Fund B better hai. Fund B ka riskometer low hai, jo Fund A ke very high se kam hai. Lekin volatility ka hisaab lete hue, Fund A better hai. Fund A ka volatility 13.7 hai, jo Fund B ke 0.12 se adhik hai. Sharpe ratio aur expense ratio ke hisaab se, Fund B better hai. Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.72% se kam hai. Haan, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund A better hai. Fund A ka asset allocation 81.12% equity hai, jo Fund B ke 65.00% T-Bills se kam hai. Lekin top holdings concentration ke hisaab se, Fund B better hai. Fund B ka top holdings concentration 8.5% hai, jo Fund A ke 6.59% se adhik hai. Haan, Fund B ke asset allocation me sector risk bhi kam hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Long-term wealth creation ke liye, Fund A ka 5Y return 18.26% hai, jo Fund B ke 5.96% se adhik hai. Lekin 3Y return ke hisaab se, Fund B ka 3Y return 6.98% hai, jo Fund A ke 16.36% se kam hai. Haan, Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
Higher risk fund ke hisaab se, Fund A ka volatility 13.7 hai, jo Fund B ke 0.12 se adhik hai. Lekin Sharpe ratio ke hisaab se, Fund B ka Sharpe ratio 4 hai, jo Fund A ke 0.72 se adhik hai. Haan, Fund A ka higher risk fund hai, lekin Fund B ka risk-adjusted returns better hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se, Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.72% se kam hai. Lekin exit load ke hisaab se, N/A hai. Haan, 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