SBI Contra Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
16.22%
Aaj hum do mutual funds ke beech ka comparison karenge - SBI Contra Fund aur HDFC ELSS Tax Saver Fund. Ye dono funds high-risk fund hain, lekin kya yeh ek accha investment option hai? Aapko is article mein fund ki category, returns, riskometer, expense ratio aur asset allocation ke baare mein jaankari milne wali hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | ELSS |
| NAV (₹) | 408.51 | 1325.00 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.72% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 13.3 |
| Sharpe Ratio | 0.72 | 0.73 |
| 1 Year Return (%) | -1.21% | -5.24% |
| 3 Year Return (%) | 16.36% | 16.22% |
| 5 Year Return (%) | 18.26% | 16.62% |
| Since Launch (%) | 15.48% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| 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: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 130% | 32% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, SBI Contra Fund better hai. Yeh fund ka 3Y return 16.36% hai, jabki HDFC ELSS Tax Saver Fund ka 3Y return 16.22% hai. Lekin HDFC ELSS Tax Saver Fund ka expense ratio 1.24% hai, jabki SBI Contra Fund ka expense ratio 0.72% hai. Riskometer ke liye, dono funds very high hai, lekin SBI Contra Fund ka volatility 13.7 hai, jabki HDFC ELSS Tax Saver Fund ka volatility 13.3 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 HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye, SBI Contra Fund better hai. Yeh fund ka 3Y return stable hai aur 5Y return 18.26% hai. HDFC ELSS Tax Saver Fund ka 3Y return bhi stable hai, lekin 5Y return 16.62% hai. Yeh fund aapke monthly SIP ke liye ek accha investment option hai, kyonki yeh fund ka asset allocation stable hai.
⚠️ Risk & Cost Analysis
SBI Contra Fund ka riskometer very high hai, lekin yeh fund ka Sharpe ratio 0.72 hai, jabki HDFC ELSS Tax Saver Fund ka Sharpe ratio 0.73 hai. Yeh fund ka expense ratio 0.72% hai, jabki HDFC ELSS Tax Saver Fund ka expense ratio 1.24% hai. Volatility ke liye, SBI Contra Fund ka 13.7 hai, jabki HDFC ELSS Tax Saver Fund ka 13.3 hai.
📊 Portfolio Diversification
SBI Contra Fund ka asset allocation stable hai, kyonki yeh fund ka equity 81.12% hai aur debt 2.35% hai. HDFC ELSS Tax Saver Fund ka asset allocation bhi stable hai, kyonki yeh fund ka equity 96.57% hai aur debt 0.33% hai. Yeh fund ka top holdings concentration bhi stable hai, kyonki yeh fund ka HDFC Bank Ltd. 6.59% hai aur Reliance Industries Ltd. 5.35% hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 ka 5Y return 18.26% hai, jabki HDFC ELSS Tax Saver Fund ka 5Y return 16.62% hai.
Q2: Is the higher risk fund worth it?
SBI Contra Fund ka volatility 13.7 hai, jabki HDFC ELSS Tax Saver Fund ka volatility 13.3 hai. Sharpe ratio ke liye, SBI Contra Fund ka 0.72 hai, jabki HDFC ELSS Tax Saver Fund ka Sharpe ratio 0.73 hai.
Q3: Which fund is more cost-effective?
SBI Contra Fund ka expense ratio 0.72% hai, jabki HDFC ELSS Tax Saver Fund ka expense ratio 1.24% 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