SBI Contra Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
11.02%
Dekho, aaj hum do fundon ke beech ka comparison karne ja rahe hain - SBI Contra Fund aur HDFC Top 100 Fund. Ye dono fund SEBI-registered hain aur dono ke under hum long-term wealth creation kar sakte hain. Is article mein hum in dono fundon ke beech ka comparison karke pata lagayenge ki kis fund mein investment karna better hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 408.51 | 14.66 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.31% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 13.05 |
| Sharpe Ratio | 0.72 | 0.35 |
| 1 Year Return (%) | -1.21% | -2.86% |
| 3 Year Return (%) | 16.36% | 11.02% |
| 5 Year Return (%) | 18.26% | 10.33% |
| Since Launch (%) | 15.48% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Rahul Baijal; Roshi Jain (4.1 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% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A (SBI Contra Fund) better hai long-term wealth creation ke liye. Iska 3Y return 16.36% hai, jo ki Fund B (HDFC Top 100 Fund) ke 3Y return 11.02% se adhik hai. Lekin, expense ratio ke haisiyat se Fund B better hai, jo ki 0.31% hai Fund A ke 0.72% se kam. Haan, riskometer ke haisiyat se dono fund Very High hai, lekin Fund A ki volatility 13.7 hai Fund B ki 13.05 se adhik. Tote hi, Fund A better hai long-term wealth creation ke liye.
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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
SIP (Systematic Investment Plan) suitability ke liye, hum consistency aur return stability ke liye dekhte hain. Fund A ka 3Y return 16.36% hai, jo ki Fund B ka 3Y return 11.02% se adhik hai. Chaliye, Fund A better hai SIP suitability ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye hum comparison karte hain. Fund A ka riskometer Very High hai, lekin sharpe ratio 0.72 hai, jo ki Fund B ka sharpe ratio 0.35 se adhik hai. Expense ratio ke liye Fund B better hai, jo ki 0.31% hai Fund A ke 0.72% se kam. Haan, volatility ke liye Fund A adhik hai, lekin sharpe ratio ke liye better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum comparison karte hain. Fund A ka asset allocation equity 81.12% hai, jo ki Fund B ka asset allocation equity 96.00% se kam hai. Chaliye, Fund A ka asset allocation better hai. Lekin, top holdings concentration ke liye Fund B better hai, jisme HDFC Bank Ltd aur ICICI Bank Ltd hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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 (SBI Contra Fund) 5Y return 18.26% aur 3Y return 16.36% se Fund B (HDFC Top 100 Fund) ke 5Y return 10.33% aur 3Y return 11.02% se adhik hai. Isliye, Fund A better hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Haan, Fund A (SBI Contra Fund) ka sharpe ratio 0.72 hai, jo ki Fund B (HDFC Top 100 Fund) ka sharpe ratio 0.35 se adhik hai. Lekin, volatility ke liye Fund A adhik hai, lekin Fund A ka riskometer Very High hai, jo ki Fund B ka riskometer Very High hai. Isliye, Fund A ka higher risk worth hai, lekin investors ko apne risk appetite ke hisaab se invest karna chahiye.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B (HDFC Top 100 Fund) ka expense ratio 0.31% hai, jo ki Fund A (SBI Contra Fund) ka expense ratio 0.72% se kam hai. Isliye, Fund B better hai cost-effectiveness ke liye.
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