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%
Aaj hum dekhte hain do mutual funds ki comparison: SBI Contra Fund aur HDFC Top 100 Fund. Ye dono Very High riskometer ke sath aate hain, lekin Fund A ka category Multi Cap hai, jabki Fund B Large Cap ka hai. Hamare paas ye jaankari hogi ki kya fund long-term wealth creation ke liye acha hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 408.51 | 11.21 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.72% | 1.52% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 25 June 2014 |
| 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?
Haan, Fund A ka 3Y return 16.36% hai, jabki Fund B ka 3Y return 11.02% hai. Isse pata chalta hai ki Fund A long-term wealth creation mein better hai. Lekin expense ratio ka dhyan dena bhi zaroori hai. Fund A ka expense ratio 0.72% hai, jabki Fund B ka 1.52%. Isliye, Fund A better fund 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 Top 100 Fund?
- Expense ratio: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Monthly SIP ke liye Fund A aur Fund B dono options hai. Lekin, Fund A ka consistency aur return stability Fund B se better hai. Isliye, monthly SIP ke liye Fund A acha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se bhi Fund A better hai. Fund A ka riskometer Very High hai, lekin volatility 13.7% hai. Fund B ka riskometer bhi Very High hai, lekin volatility 13.06% hai. Sharpe ratio ka hisaab lene par bhi Fund A better hai. Isliye, Fund A risk-adjusted returns mein better hai.
📊 Portfolio Diversification
Fund A ka asset allocation Equity 81.12% hai, jabki Fund B ka Equity 96.00% hai. Isse pata chalta hai ki Fund A ka portfolio diversified hai. Fund A ka top holdings concentration bhi Fund B se kam hai. Isliye, Fund A ka portfolio diversified 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?
Haan, Fund A ka 5Y return 18.26% hai, jabki Fund B ka 5Y return 10.33% hai. Isse pata chalta hai ki Fund A long-run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
No, Fund B ka volatility Fund A se kam hai. Sharpe ratio ka hisaab lene par bhi Fund B better hai. Isliye, Fund B ki higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
Haan, Fund A ka expense ratio Fund B se kam hai. Fund A ka expense ratio 0.72% hai, jabki Fund B ka 1.52%. Isliye, Fund A 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