SBI Contra Fund vs Navi Mutual Fund 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%
Dekho, aaj hum do funds ke beech ki tulna karenge. SBI Contra Fund ek Multi Cap fund hai, jabki Navi Mutual Fund Liquid Fund ek Liquid Fund hai. Ye post aapko bataega ki dono funds mein invest karne ke liye kya fayde hai aur kya nukee. Chaliye, fund A aur fund B ke bare mein jaante hain.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.13 |
| Sharpe Ratio | 0.72 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, yeh pura fayda hai ki fund A ki riskometer very high hai, lekin yeh 3Y return mein 16.36% return deta hai. Fund B ki expense ratio bahut kam hai, 0.12%, jabki fund A ki expense ratio 0.72% hai. Lekin, yeh sach ye hai ki fund B ki 5Y return 6.11% hai, jo fund A ki 5Y return se kam hai. To, yeh verdict hai ki fund A 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, fund A aur fund B ka compare karte hain. Fund A ka 3Y return 16.36% hai, jabki fund B ka 3Y return 6.93% hai. Lekin, fund B ka expense ratio bahut kam hai, jo SIP ke liye bahut accha hai. Isliye, fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ke liye humne fund A aur fund B ka compare kiya hai. Fund A ki riskometer very high hai, lekin yeh 0.72 Sharpe ratio deta hai, jo fund B ki 3.31 Sharpe ratio se kam hai. Lekin, fund B ki expense ratio 0.12% hai, jo fund A ki expense ratio 0.72% se kam hai. Isliye, fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Fund A aur fund B ke asset allocation mein bahut aisi difference hai. Fund A ka asset allocation Equity 81.12% hai, jabki fund B ka asset allocation T-Bills 65.00% hai. Fund A ka top 3 holdings HDFC Bank Ltd., Reliance Industries Ltd., Biocon Ltd. hai, jabki fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, Reliance Industries T-Bills hai. Isliye, fund B ka portfolio diversified hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Navi Mutual Fund 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?
Fund A ki 5Y return 18.26% hai, jo fund B ki 5Y return 6.11% se jyada hai. Isliye, fund A fund B se better returns deta hai long-term mein.
Q2: Is the higher risk fund worth it?
fund A ki riskometer very high hai, lekin yeh 0.72 Sharpe ratio deta hai. Fund B ka Sharpe ratio 3.31 hai, jo fund A ka Sharpe ratio se jyada hai. Isliye, fund B better hai.
Q3: Which fund is more cost-effective?
Fund B ki expense ratio 0.12% hai, jo fund A ki expense ratio 0.72% se kam hai. Isliye, fund B 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