SBI Contra Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
20.86%
Chaliye, dekho apne dwaara ek aur ek fund ke beech ka comparison karte hain. Fund A, SBI Contra Fund Direct Plan Growth, aur Fund B, JM Financial Multi Cap Fund Regular Plan Growth. Hum aapko batayenge ki in dono fund ki kaisi category mein hain, aur aap kya seekhenge. Fund A Multi Cap category mein hai, lekin Fund B bhi Multi Cap category mein hai. Fund A ki 1Y return -1.21% hai, jabki Fund B ki 5.23% hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 408.51 | 19.01 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.72% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 14.35 |
| Sharpe Ratio | 0.72 | 1 |
| 1 Year Return (%) | -1.21% | 5.23% |
| 3 Year Return (%) | 16.36% | 20.86% |
| 5 Year Return (%) | 18.26% | 0% |
| Since Launch (%) | 15.48% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 130% | 44% |
🤖 AI Verdict – Which is Better?
Haan, aapko batayenge ki Fund A ya Fund B better hai long-term wealth creation ke liye. Fund A ki 3Y return 16.36% hai, jabki Fund B ki 20.86% hai. Lekin Fund A ki expense ratio 0.72% hai, jabki Fund B ki 1.68% hai. Riskometer mein bhi Fund A Very High hai, lekin Fund B bhi Very High hai. Haan, Fund B 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 JM Financial Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye Fund B better hai. Fund B ki consistency aur return stability kaafi acchi hai. Fund A ki return stability kam hai, lekin Fund B ki hai. Haan, Fund B aapke monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Chaliye, dekho Fund A aur Fund B ke riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karte hain. Fund A ki riskometer Very High hai, lekin Fund B bhi Very High hai. Volatility mein Fund A 13.7 hai, jabki Fund B 14.35 hai. Sharpe ratio mein Fund A 0.72 hai, jabki Fund B 1 hai. Expense ratio mein Fund A 0.72% hai, jabki Fund B 1.68% hai. Haan, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Chaliye, dekho Fund A aur Fund B ke asset allocation aur top holdings concentration ka comparison karte hain. Fund A ki asset allocation mein Equity 81.12% hai, jabki Fund B ki 97.00% hai. Top holdings concentration mein Fund A ki HDFC Bank Ltd. 6.59%, Reliance Industries Ltd. 5.35%, aur Biocon Ltd. 3.04% hai. Fund B ki top holdings concentration mein HDFC Bank Ltd. 6.5%, ICICI Bank Ltd. 5.8%, aur Reliance Industries Ltd. 4.9% hai. Haan, Fund B ke asset allocation aur top holdings concentration mein bhi diversification hai, aur Fund A ke kam hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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 B ki 5Y return 0% hai, jabki Fund A ki 18.26% hai. Fund B ki 3Y return 20.86% hai, jabki Fund A ki 16.36% hai. Haan, Fund A Fund B se better returns in the long run deti hai.
Q2: Is the higher risk fund worth it?
Haan, riskometer mein Fund A aur Fund B Very High hai, lekin volatility mein Fund A 13.7 hai, jabki Fund B 14.35 hai. Sharpe ratio mein Fund A 0.72 hai, jabki Fund B 1 hai. Haan, Fund B ki risk-adjusted returns better hai, aur Fund A ki kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ki expense ratio 0.72% hai, jabki Fund B ki 1.68% hai. Haan, Fund A Fund B se cost-effective hai. Lekin, Fund A ki return stability kam hai, lekin Fund B ki hai. Haan, Fund A aapke monthly SIP ke liye better 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