SBI Contra Fund vs LIC Mutual Fund 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%
Dekho, today we are comparing two popular funds in India - SBI Contra Fund and LIC Mutual Fund Large Cap Fund. Both funds are registered with SEBI and have a significant AUM. We will analyze their 1Y, 3Y, and 5Y returns, riskometer, volatility, and expense ratio to determine which fund is better for long-term wealth creation.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 408.51 | 497.22 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 11.93 |
| Sharpe Ratio | 0.72 | 0.69 |
| 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) | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Chaliye, let's look at the numbers. SBI Contra Fund has a 3Y return of 16.36%, while LIC Mutual Fund Large Cap Fund has a 3Y return of 14.7%. Although both funds are very high-risk, SBI Contra Fund has a lower expense ratio of 0.72% compared to LIC Mutual Fund's 0.52%. Based on these factors, haan, SBI Contra Fund seems to be a better option for long-term wealth creation.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Lekin, when it comes to SIP (Systematic Investment Plan) suitability, we need to consider consistency and return stability. Both funds have a very high riskometer, but SBI Contra Fund has a more stable 3Y return. However, LIC Mutual Fund Large Cap Fund has a higher equity allocation, which may be beneficial for long-term growth. Sach ye hai, it's essential to assess your risk tolerance and financial goals before investing in either fund.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. SBI Contra Fund has a very high riskometer and a volatility of 13.7, while LIC Mutual Fund Large Cap Fund has a volatility of 11.93. Although LIC Mutual Fund has a lower Sharpe ratio, SBI Contra Fund's higher expense ratio may eat into your returns. Therefore, it's essential to weigh the costs and risks before investing.
📊 Portfolio Diversification
Chaliye, let's look at the asset allocation of both funds. SBI Contra Fund has an equity allocation of 81.12%, while LIC Mutual Fund Large Cap Fund has a 96% equity allocation. Although LIC Mutual Fund has a higher equity allocation, SBI Contra Fund has a more diversified portfolio with a mix of sectoral and international holdings. Sach ye hai, a more diversified portfolio can reduce risk and increase potential returns.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
LIC Mutual Fund 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 has a 5Y return of 18.26%, while LIC Mutual Fund Large Cap Fund has a 5Y return of 12.03%. Therefore, SBI Contra Fund seems to be a better option for long-term returns.
Q2: Is the higher risk fund worth it?
SBI Contra Fund has a higher volatility of 13.7 compared to LIC Mutual Fund's 11.93. However, SBI Contra Fund's Sharpe ratio is higher at 0.72 compared to LIC Mutual Fund's 0.69. Therefore, the decision to invest in a higher-risk fund depends on your individual risk tolerance and financial goals.
Q3: Which fund is more cost-effective?
SBI Contra Fund has an expense ratio of 0.72%, while LIC Mutual Fund Large Cap Fund has an expense ratio of 0.52%. Therefore, LIC Mutual Fund is more cost-effective compared to SBI Contra Fund.
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