SBI Contra Fund vs Kotak Mahindra 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 dekho, aaj hum do funds ke beech ka comparison karne ja rhe hain – SBI Contra Fund aur Kotak Mahindra Liquid Fund. Ye dono funds aapke investment ke liye ek achha option ho sakte hain, lekin kya hoga agar aap long-term wealth creation ke liye invest karte hain? Is article mein hum aapko fund A aur fund B ke beech ka comparison karke bataenge ki kis fund ki shart aapko adhik suit hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Haan, aapko pata chala hoga ki fund A (SBI Contra Fund) ek high-risk fund hai, lekin jab bhi aap investment ke liye 3Y return, expense ratio, aur risk ke dauraan dekhte hain, to fund A hi achha lagta hai. Isse aapko 3 saal mein 16.36% return mill sakta hai, jo ki ek bahut accha return hai. Lekin expense ratio bhi kam hai, jo ki 0.72% hai. Fund B ko compare karke, to pata chalta hai ki fund A hi better 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye dekho SIP suitability ka, konsa fund aapke monthly SIP ke liye suit hai. Fund B (Kotak Mahindra Liquid Fund) ek liquid fund hai, jo ki 6.17% return deta hai. Lekin fund A ki consistency aur return stability adhik hai. Isliye fund A hi monthly SIP ke liye suit hai.
⚠️ Risk & Cost Analysis
Haan, ab riskometer, volatility, Sharpe ratio, expense ratio ke dauraan dekhte hain. Fund A ka riskometer very high hai, lekin Sharpe ratio 0.72 hai, jo ki kam hai. Lekin fund B ka Sharpe ratio 3.91 hai, jo ki adhik hai. Iske alawa expense ratio bhi fund A ke liye kam hai. Isliye fund A hi better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Chaliye dekho portfolio diversification ka, konsa fund aapke portfolio mein adhik diversified hai. Fund A ka asset allocation aapko 81.12% equity, 2.35% T-Bills, aur 2.19% foreign equity milega. Iske alawa top holdings concentration bhi kam hai, jo ki HDFC Bank Ltd, Reliance Industries Ltd, aur Biocon Ltd hai. Fund B ka asset allocation aapko 65.00% T-Bills, 20.00% CD, aur 10.00% CP milega. Ismein top holdings concentration bhi adhik hai, jo ki State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isliye fund A hi portfolio mein adhik diversified hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Kotak Mahindra 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 ki fund A (SBI Contra Fund) 5 saal mein 18.26% return deta hai, jo ki fund B (Kotak Mahindra Liquid Fund) se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, fund A ka high-risk fund hai, lekin Sharpe ratio 0.72 hai, jo ki kam hai. Lekin fund B ka Sharpe ratio 3.91 hai, jo ki adhik hai. Isliye fund B hi worth hai.
Q3: Which fund is more cost-effective?
Haan, fund A ka expense ratio 0.72% hai, jo ki fund B (0.12%) se adhik hai. Isliye fund B hi 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