SBI Contra Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
6.92%
Dekho, today we will be comparing two different types of funds - a Multi Cap fund and a Liquid fund. Fund A, SBI Contra Fund, is a Multi Cap fund with a high risk profile, while Fund B, Baroda BNP Paribas Liquid Fund, is a Liquid fund with minimal risk. We will help you understand which fund is suitable for long-term wealth creation and which one is better for a monthly SIP for 10+ years.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Baroda BNP Paribas |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 3208.35 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.11 |
| Sharpe Ratio | 0.72 | 3.82 |
| 1 Year Return (%) | -1.21% | 6.16% |
| 3 Year Return (%) | 16.36% | 6.92% |
| 5 Year Return (%) | 18.26% | 6.14% |
| Since Launch (%) | 15.48% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, based on our analysis, Fund A, SBI Contra Fund, is a better choice for long-term wealth creation. Its 3Y return of 16.36% is significantly higher than Fund B's 6.92%. Additionally, its expense ratio of 0.72% is slightly lower than Fund B's 0.12%. However, its riskometer rating of Very High is a concern. If you are willing to take on higher risk, Fund A may offer better returns in the long run.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Chaliye, when it comes to SIP suitability, Fund B, Baroda BNP Paribas Liquid Fund, is a better choice. Its consistency and return stability are better suited for a monthly SIP for 10+ years. Fund A's higher volatility and risk profile make it less suitable for long-term SIPs.
⚠️ Risk & Cost Analysis
Sach ye hai, when it comes to risk-adjusted returns, Fund B, Baroda BNP Paribas Liquid Fund, offers better risk-adjusted returns. Its Sharpe ratio of 3.82 is significantly higher than Fund A's 0.72. Additionally, its expense ratio of 0.12% is lower than Fund A's 0.72%. If you are risk-averse, Fund B is a better option.
📊 Portfolio Diversification
Lekin, when it comes to portfolio diversification, Fund A, SBI Contra Fund, has a more diversified portfolio. Its asset allocation includes equity, T-bills, foregn equity, debenture, CD, REITs, call option, and futures. Fund B, on the other hand, has a more concentrated portfolio with a majority of its assets invested in T-bills, CD, and CP. However, Fund B's sector risk is lower due to its diversified asset allocation.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
Based on 5Y and 3Y returns, Fund A, SBI Contra Fund, gives better returns in the long run with returns of 18.26% and 16.36% respectively.
Q2: Is the higher risk fund worth it?
Haan, the higher risk fund, Fund A, may be worth it if you are willing to take on higher risk. However, its volatility and risk profile make it less suitable for risk-averse investors. Fund B's lower volatility and risk profile make it a better option for risk-averse investors.
Q3: Which fund is more cost-effective?
Chaliye, Fund B, Baroda BNP Paribas Liquid Fund, is more cost-effective with an expense ratio of 0.12% compared to Fund A's 0.72%.
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