SBI Contra Fund vs JM Financial Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
14.7%
Aaj hum do mutual funds ke beech comparison karenge – SBI Contra Fund aur JM Financial Large Cap Fund. Ye dono fund very high riskometer ke hain, lekin unki asset allocation aur top holdings alag-alag hain. Hum aapko batayenge ki konsa fund long-term wealth creation ke liye better hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 408.51 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 12.25 |
| Sharpe Ratio | 0.72 | 0.67 |
| 1 Year Return (%) | -1.21% | -4.02% |
| 3 Year Return (%) | 16.36% | 14.7% |
| 5 Year Return (%) | 18.26% | 12.03% |
| Since Launch (%) | 15.48% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Asit Bhandarkar (3.5 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% | 26% |
🤖 AI Verdict – Which is Better?
Sach ye hai, SBI Contra Fund 5Y return mein 18.26% aur 3Y return mein 16.36% deti hai. Iske expense ratio 0.72% bhi kam hain. Isliye, humko lagta hai ki SBI Contra Fund better fund 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 JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
SIP ke liye, humko stability aur consistency ki zaroorat hoti hai. SBI Contra Fund ka 3Y return 16.36% hai, jabki JM Financial Large Cap Fund ka 3Y return 14.7% hai. Lekin, SBI Contra Fund ka expense ratio 0.72% high hai. Toh, humko lagta hai ki JM Financial Large Cap Fund better fund hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, dono fund very high risk ke hain. Lekin, SBI Contra Fund ka Sharpe ratio 0.72 hai, jabki JM Financial Large Cap Fund ka Sharpe ratio 0.67 hai. Isliye, SBI Contra Fund better risk-adjusted returns deti hai.
📊 Portfolio Diversification
SBI Contra Fund ka asset allocation mein equity 81.12% hai, jabki JM Financial Large Cap Fund ka asset allocation mein equity 96.00% hai. Isliye, SBI Contra Fund ka asset allocation thoda diversified hai. Lekin, SBI Contra Fund ka top holdings concentration mein HDFC Bank Ltd. aur Reliance Industries Ltd. 11.94% hai, jabki JM Financial Large Cap Fund ka top holdings concentration mein HDFC Bank Ltd. aur ICICI Bank Ltd. 16.4% hai. Isliye, SBI Contra Fund ka top holdings concentration thoda kam hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
JM Financial Large Cap Fund
₹1367804.07
@14.7% 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 5Y return mein 18.26% aur 3Y return mein 16.36% deti hai, jabki JM Financial Large Cap Fund 5Y return mein 12.03% aur 3Y return mein 14.7% deti hai. Isliye, SBI Contra Fund long run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
SBI Contra Fund ka Sharpe ratio 0.72 hai, jabki JM Financial Large Cap Fund ka Sharpe ratio 0.67 hai. Isliye, SBI Contra Fund better risk-adjusted returns deti hai. Lekin, riskometer aur volatility ke hisab se, dono fund very high risk ke hain. Isliye, aapko apni investment strategy ke hisab se decision lena hoga.
Q3: Which fund is more cost-effective?
JM Financial Large Cap Fund ka expense ratio 0.52% hai, jabki SBI Contra Fund ka expense ratio 0.72% hai. Isliye, JM Financial Large Cap Fund more 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