SBI Contra Fund vs DSP Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
14.7%
Today, we are comparing two popular funds in India: SBI Contra Fund and DSP Mutual Fund Large Cap Fund. Both funds have a very high riskometer, but they belong to different categories - Multi Cap and Large Cap, respectively. In this article, we will analyze their performance, risk, and cost to help you decide which fund is better for your long-term wealth creation goals.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BDSP Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 408.51 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.82 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 11.97 |
| Sharpe Ratio | 0.72 | 0.69 |
| 1 Year Return (%) | -1.21% | -4.02% |
| 3 Year Return (%) | 16.36% | 14.7% |
| 5 Year Return (%) | 18.26% | 12.03% |
| Since Launch (%) | 15.48% | 11.65% |
| 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) | Atul Bhole (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 50 |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 130% | 23% |
🤖 AI Verdict – Which is Better?
Based on the 3Y return, expense ratio, and riskometer, our verdict is that SBI Contra Fund is a better option for long-term wealth creation. Although both funds have a very high riskometer, SBI Contra Fund has a slightly higher 3Y return (16.36% vs 14.7%) and a lower expense ratio (0.72% vs 0.52%). This means that SBI Contra Fund is a better choice for investors who are willing to take on higher risk for potentially higher returns.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider DSP Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.82 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
For a monthly SIP of 10+ years, SBI Contra Fund is a better option. Although both funds have a very high riskometer, SBI Contra Fund has a more stable return over the long term. In the last 5 years, SBI Contra Fund returned 18.26% compared to DSP Mutual Fund Large Cap Fund's 12.03%. This means that SBI Contra Fund is a better choice for investors who are looking for consistent returns over the long term.
⚠️ Risk & Cost Analysis
Both funds have a very high riskometer, but SBI Contra Fund has a slightly higher volatility (13.7 vs 11.97). However, SBI Contra Fund also has a higher Sharpe ratio (0.72 vs 0.69), which means that it offers better risk-adjusted returns. Additionally, SBI Contra Fund has a slightly lower expense ratio (0.72% vs 0.52%). This means that SBI Contra Fund is a better choice for investors who are looking for a fund that offers better risk-adjusted returns while also being cost-effective.
📊 Portfolio Diversification
SBI Contra Fund has a more diversified portfolio compared to DSP Mutual Fund Large Cap Fund. SBI Contra Fund has 81.12% of its assets invested in equity, while DSP Mutual Fund Large Cap Fund has 96% of its assets invested in equity. This means that SBI Contra Fund has a more balanced portfolio with a lower concentration of equity. Additionally, SBI Contra Fund has a more diverse top holdings portfolio, with HDFC Bank Ltd., Reliance Industries Ltd., and Biocon Ltd. making up only 14.98% of its total assets.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
DSP Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 Contra Fund has a higher 5Y return (18.26% vs 12.03%) and a higher 3Y return (16.36% vs 14.7%). Therefore, SBI Contra Fund is a better option for long-term wealth creation.
Q2: Is the higher risk fund worth it?
While both funds have a very high riskometer, SBI Contra Fund offers better risk-adjusted returns, as evident from its higher Sharpe ratio (0.72 vs 0.69). Therefore, the higher risk fund, SBI Contra Fund, is worth considering for investors who are willing to take on higher risk for potentially higher returns.
Q3: Which fund is more cost-effective?
SBI Contra Fund has a slightly higher expense ratio (0.72% vs 0.52%), but it offers better risk-adjusted returns. Therefore, while DSP Mutual Fund Large Cap Fund is more cost-effective, SBI Contra Fund is a better choice for investors who are willing to pay a slightly higher expense ratio for potentially higher 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