SBI Contra Fund vs Mirae Asset ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
14.73%
Ab hum aapko do funds ka parichay karne aaye hain - SBI Contra Fund aur Mirae Asset ELSS Tax Saver Fund. Ye do funds aapke paisa ki suraksha aur vittiya vikas ke liye kya offer karte hain, iske bare mein hum aaj jaanne wale hai. Dekho kya vittiya vishleshan ke baad hum apne parichay se kya naya seekhte hain.
[VERDICT]| Parameter | ASBI Contra Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Multi Cap | ELSS |
| NAV (₹) | 408.51 | 48.73 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 0.72% | 1.62% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 13.85 |
| Sharpe Ratio | 0.72 | 0.59 |
| 1 Year Return (%) | -1.21% | 2.19% |
| 3 Year Return (%) | 16.36% | 14.73% |
| 5 Year Return (%) | 18.26% | 12.52% |
| Since Launch (%) | 15.48% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Neelesh Surana (10.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | HDFC Bank Ltd. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| 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: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 130% | 69% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund A - SBI Contra Fund ka 3Y return 16.36% hai, jisaki comparison Mirae Asset ELSS Tax Saver Fund ka 3Y return 14.73% hai. Lekin, expense ratio ke hisab se Fund B 1.62% adhik mahanga hai. Isliye, hamara verdict hai ki Fund A zyada lambi avadhi mein aapke paisa ki suraksha aur vittiya vikas ke liye better option hai.
[SIP_SUITABILITY]Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
Aapka SIP kaavach 10+ saal ke liye hai, to humein Fund B ki comparison Fund A se karni hogi. Fund B ka 1Y return 2.19% hai, jisaki comparison Fund A ka 1Y return -1.21% hai. Isliye, SIP ke liye Fund B better option hai, lekin Fund A ki consistency aur return stability bhi acchi hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer ke hisab se donon funds zyada risk wale hain, lekin Fund A ka Sharpe ratio 0.72 hai, jisaki comparison Fund B ka Sharpe ratio 0.59 hai. Isliye, Fund A apne risk-adjusted returns ke hisab se better hai. Expense ratio ke hisab se Fund A 0.72% mahanga hai, lekin Fund B 1.62% mahanga hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Hum aapko donon funds ki asset allocation aur top holdings concentration ke bare mein jaanne wale hai. Fund A ki asset allocation mein Equity 81.12% hai, jisaki comparison Fund B ki asset allocation mein Equity 99.11% hai. Isliye, Fund A ki asset allocation adhik diversified hai aur sector risk kam hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@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?
Sach ye hai ki Fund A ka 5Y return 18.26% hai, jisaki comparison Fund B ka 5Y return 12.52% hai. Isliye, Fund A zyada lambi avadhi mein aapke paisa ki suraksha aur vittiya vikas ke liye better option hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund A ka Sharpe ratio 0.72 hai, jisaki comparison Fund B ka Sharpe ratio 0.59 hai. Isliye, Fund A apne risk-adjusted returns ke hisab se better hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.72% hai, jisaki comparison Fund B ka expense ratio 1.62% hai. Isliye, Fund A 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