SBI Contra Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
6.96%
Agar aapko investment ke liye koi fund chunna hai, toh aapko pata hona chahiye ki Fund A SBI Contra Fund aur Fund B Nippon India Liquid Fund ki kya visheshtaayein hain. Ye do funds alag-alag categories mein aate hain - Fund A Multi Cap aur Fund B Liquid. Is article mein hum aapko Fund A aur Fund B ke beech ki comparison karkege, jismein humaare paas 3Y return, expense ratio, aur risk ke hisaab se Fund B ki vajah se aapke liye kuchh naya seekhne ko milega.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Multi Cap | Liquid |
| NAV (₹) | 408.51 | 6813.87 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.12 |
| Sharpe Ratio | 0.72 | 3.83 |
| 1 Year Return (%) | -1.21% | 6.21% |
| 3 Year Return (%) | 16.36% | 6.96% |
| 5 Year Return (%) | 18.26% | 6.14% |
| Since Launch (%) | 15.48% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| 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% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 130% | 260% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund A ki 3Y return 16.36% hai, lekin expense ratio bhi 0.72% hai. Fund B ki 3Y return 6.96% hai, aur expense ratio 0.2% hai. Fund A ki riskometer bhi bahut high hai, lekin Fund B ki low hai. Haan, Fund A ke 5Y return 18.26% hai, lekin expense ratio bhi adhik hai. Isliye, humko lagta hai ki Fund B aapke liye better option hai, kyunki yeh low risk aur low expense ratio ke sath high returns deta 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Monthly SIP ke liye Fund B aapke liye better option hai, kyunki yeh low risk aur low expense ratio ke sath high returns deta hai. Fund A ki volatility 13.7 hai, jo Fund B ki 0.12 se adhik hai. Isliye, Fund B aapke liye consistent returns deta hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se, Fund B aapke liye better option hai. Fund B ki riskometer low hai, aur volatility 0.12 hai, jo Fund A ki 13.7 se kam hai. Sharpe ratio ke hisaab se bhi, Fund B aapke liye better option hai, kyunki yeh 3.83 hai, jo Fund A ki 0.72 se adhik hai. Expense ratio ke hisaab se bhi, Fund B aapke liye better option hai, kyunki yeh 0.2% hai, jo Fund A ki 0.72% se kam hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund B aapke liye better option hai, kyunki yeh CP aur CD mein 84.29% investment karta hai, jo Fund A ki 84.46% se kam hai. Top holdings concentration ke hisaab se bhi, Fund B aapke liye better option hai, kyunki yeh RBI aur RBI mein 6.35% investment karta hai, jo Fund A ki HDFC Bank Ltd. aur Reliance Industries Ltd. mein 11.98% se kam hai.
Q1: Which fund gives better returns in the long run?
Fund A ki 5Y return 18.26% hai, lekin Fund B ki 5Y return 6.14% hai. Isliye, Fund A aapke liye better option hai long-run ke liye.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki higher risk fund worth hai, kyunki yeh high returns deta hai, lekin volatility bhi adhik hai. Fund B ki low risk fund worth hai, kyunki yeh low volatility hai, lekin returns bhi kam hai.
Q3: Which fund is more cost-effective?
Fund B expense ratio 0.2% hai, jo Fund A ki 0.72% se kam hai. Isliye, Fund B aapke liye cost-effective hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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