SBI Contra Fund vs DSP 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
6.77%
Today, we're comparing two mutual funds - SBI Contra Fund and DSP Liquid Fund. Fund A is a multi-cap fund, while Fund B is a liquid fund. Dekho, we'll see which one is better for long-term wealth creation.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 89.77 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.12 |
| Sharpe Ratio | 0.72 | 2.25 |
| 1 Year Return (%) | -1.21% | 2.95% |
| 3 Year Return (%) | 16.36% | 6.77% |
| 5 Year Return (%) | 18.26% | 5.92% |
| Since Launch (%) | 15.48% | 6.91% |
| 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 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% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we need to consider 3Y return, expense ratio, and risk. Fund A's 3Y return is 16.36%, while Fund B's return is 6.77%. Lekin, Fund A's expense ratio is 0.72%, which is higher than Fund B's 0.12%. Haan, considering these factors, we can say Fund B is a better option for long-term wealth creation.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
For a monthly SIP for 10+ years, we want a fund that's consistent and stable. Chaliye, let's compare the two funds. Fund A has a very high riskometer and high volatility, while Fund B is a low-risk liquid fund. Lekin, Fund A's 3Y return is higher than Fund B's. Haan, considering SIP returns, Fund A might be a better option.
⚠️ Risk & Cost Analysis
When it comes to risk and cost analysis, we need to consider riskometer, volatility, Sharpe ratio, and expense ratio. Fund A has a very high riskometer and high volatility, while Fund B is a low-risk liquid fund. Lekin, Fund B's Sharpe ratio is higher than Fund A's. Haan, considering these factors, Fund B offers better risk-adjusted returns.
📊 Portfolio Diversification
Portfolio diversification is crucial for long-term wealth creation. Chaliye, let's compare the asset allocation of both funds. Fund A has a diversified portfolio with 81.12% in equity, while Fund B is a liquid fund with 65% in T-Bills. Dekho, Fund A's portfolio is more diversified, while Fund B has a higher concentration in T-Bills. Haan, considering sector risk, Fund B has lower sector risk.
Q1: Which fund gives better returns in the long run?
Haan, considering 5Y returns, Fund A gives better returns with 18.26% compared to Fund B's 5.92%.
Q2: Is the higher risk fund worth it?
Lekin, considering volatility and Sharpe ratio, we can see that Fund B is a better option. Its volatility is much lower than Fund A's, and Sharpe ratio is higher. Haan, the higher risk fund might not be worth it.
Q3: Which fund is more cost-effective?
Haan, considering expense ratio, Fund B is more cost-effective with 0.12% compared to Fund A's 0.72%. Lekin, exit load is not provided for either fund, so we can't consider that factor.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@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