SBI Contra Fund vs Groww 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
6.93%
Dekho, today humein do funds ke beech comparison karna hai. Fund A ek Multi Cap fund hai, jabki Fund B ek Liquid fund hai. Aaj hum SBI Contra Fund aur Groww Mutual Fund Liquid Fund ke beech ki comparison karenge.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.11 |
| Sharpe Ratio | 0.72 | 3.91 |
| 1 Year Return (%) | -1.21% | 6.17% |
| 3 Year Return (%) | 16.36% | 6.93% |
| 5 Year Return (%) | 18.26% | 6.11% |
| Since Launch (%) | 15.48% | 50.63% |
| 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) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Humare paas 3Y return, expense ratio, aur risk ke hisaab se Fund A chahiye. Iska 3Y return 16.36% hai, expense ratio 0.72% hai, aur riskometer Very High hai. Fund B ka 3Y return 6.93% hai, expense ratio 0.12% hai, aur riskometer Low hai. Lekin long-term wealth creation 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Ek monthly SIP ke liye Fund A better hai. Iska 3Y return aur 5Y return 16.36% aur 18.26% hai, jo Fund B se zyada hai. Fund B ka 3Y return 6.93% aur 5Y return 6.11% hai. Isliye, ek monthly SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, and expense ratio ke hisaab se hum Fund B ke liye risk-adjusted returns better dikhate hai. Fund B ka riskometer Low hai, volatility 0.11 hai, Sharpe ratio 3.91 hai, aur expense ratio 0.12% hai. Isliye, risk-adjusted returns ke liye Fund B better hai.
📊 Portfolio Diversification
Fund A ka asset allocation ek Multi Cap fund ke hisaab se sahi hai. Iska equity 81.12% hai, T-Bills 2.35% hai, Foreign Eq 2.19% hai, aur Debenture 1.92% hai. Fund B ka asset allocation ek Liquid fund ke hisaab se sahi hai. Iska T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai, aur cash 5.00% hai. Isliye, asset allocation ke hisaab se dono funds diversified hain.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@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?
Sach ye hai, Fund A ka 5Y return 18.26% hai, jo Fund B ka 5Y return 6.11% se zyada hai. Isliye, long run ke liye Fund A better hai.
Q2: Is the higher risk fund worth it?
Na, Fund B ka riskometer Low hai, volatility 0.11 hai, aur Sharpe ratio 3.91 hai. Isliye, Fund B risk-adjusted returns better dikhata hai. Lekin Fund A ka 3Y return aur 5Y return Fund B se zyada hai. Isliye, Fund A ke liye higher risk worth hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jisse Fund A ka expense ratio 0.72% se zyada hai. Isliye, Fund B 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