SBI Contra Fund vs HSBC 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, aap logon mein se kuchh aapne nivesh ke liye ek Multi Cap fund aur ek Liquid fund ko chunne mein dilemma hoga. Aaj hum SBI Contra Fund aur HSBC Mutual Fund Liquid Fund ko compare karenge. Isse aapko malum ho jayega ki aapke nivesh ke liye konsa fund sahi hai aur aapke paas kya vikalp hain.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.13% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Haan, hum apne verdict sunaen. Fund A, SBI Contra Fund, ka 3Y return 16.36% hai, lekin expense ratio bhi 0.72% hai. Fund B, HSBC Mutual Fund Liquid Fund, ka 3Y return 6.93% hai aur expense ratio 0.13% hai. Sach ye hai, Fund B ka expense ratio kam hai, lekin Fund A ka 3Y return adhik hai. Lekin, humein Fund A ka riskometer bhi dekhna hoga, jo very high hai. Isliye, humein Fund B hi pehle chunna chahiye.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, hum SIP suitabiliti compare karen. Fund A ka 1Y return -1.21% hai, jabki Fund B ka 1Y return 6.17% hai. Isse aapko lagega ki Fund B SIP ke liye adhik suitable hai. Lekin, humein Fund A ka 3Y return bhi dekhna hoga, jo adhik hai. Isliye, humein Fund A bhi ek vikalp hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se dekha jaata hai. Fund A ka riskometer very high hai, aur volatility 13.7 hai. Fund B ka riskometer low hai, aur volatility 0.11 hai. Sharpe ratio ke hisaab se bhi Fund B adhik accha hai. Isliye, Fund B risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se dekha jaata hai. Fund A mein equity 81.12% hai, aur top 3 holdings mein HDFC Bank Ltd., Reliance Industries Ltd., aur Biocon Ltd. hai. Fund B mein T-Bills 65.00% hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye, Fund B asset allocation mein adhik diversified hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
HSBC 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, lekin Fund B ka 5Y return 6.11% hai. Isliye, Fund A aapke nivesh ke liye adhik suitable hai.
Q2: Is the higher risk fund worth it?
Haan, lekin aapko riskometer aur volatility ka bhi dhyan rakhna hoga. Fund A ka riskometer very high hai, aur volatility 13.7 hai. Isliye, aapko iske fayde ka bhi adhikar rakhna hoga.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.13% hai, jo Fund A ka expense ratio 0.72% se kam hai. Isliye, Fund B aapke nivesh ke liye adhik 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