SBI Contra Fund vs Invesco 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%
Chaliye, aaj hum do mutual funds ke beech kuch chot ke tareeke se pehchante hain. Fund A SBI Contra Fund hai, jo ek multi cap fund hai. Fund B Invesco Liquid Fund hai, jo ek liquid fund hai. Dekho, aapki investment ke liye kya fund behtar hai, yeh humein janne ke liye hain.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Invesco Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 3819.94 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.13 |
| Sharpe Ratio | 0.72 | 3.31 |
| 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% | 6.82% |
| 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) | Amit Ganatra (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% | 269% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A SBI Contra Fund long-term wealth creation ke liye behtar hai. Yeh 3Y return mein 16.36% return deti hai, jo Fund B se zyada hai. Haan, expense ratio 0.72% hai, jo lekin Fund B ki expense ratio 0.12% se zyada hai, lekin Fund A ki 3Y return Fund B ke 3Y return se zyada hai, toh Fund A behtar 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 Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ke liye, Fund A SBI Contra Fund behtar hai. Yeh 10+ saal ke liye consistent returns deti hai, jo Fund B se zyada hai. Dekho, 3Y return mein Fund A 16.36% return deti hai, jo Fund B ke 6.93% return se zyada hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund A SBI Contra Fund very high risk hai, jo Fund B ki risk se zyada hai. Lekin volatility ke hisab se, Fund A ki volatility 13.7 hai, jo Fund B ki 0.13 se zyada hai. Haan, sharpe ratio ke hisab se, Fund A ki sharpe ratio 0.72 hai, jo Fund B ki sharpe ratio 3.31 se zyada hai. Lekin expense ratio ke hisab se, Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 0.72% se kam hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A ki asset allocation mein equity 81.12% hai, jo Fund B ki asset allocation mein T-Bills 65.00% se zyada hai. Haan, top holdings concentration ke hisab se, Fund A ki top holdings concentration mein HDFC Bank Ltd. 6.59% hai, jo Fund B ki top holdings concentration mein State Bank of India CD 8.5% se kam hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Invesco 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 SBI Contra Fund long-run mein behtar returns deti hai. 5Y return mein Fund A 18.26% return deti hai, jo Fund B ke 6.11% return se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund A ki volatility 13.7 hai, jo Fund B ki 0.13 se zyada hai. Lekin sharpe ratio ke hisab se, Fund A ki sharpe ratio 0.72 hai, jo Fund B ki sharpe ratio 3.31 se kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B Invesco Liquid Fund more cost-effective hai. Expense ratio ke hisab se, Fund B ki expense ratio 0.12% hai, jo Fund A ki expense ratio 0.72% se kam 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