SBI Contra Fund vs Old Bridge 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, today humein do funds ke beech ka comparison karna hai. Fund A hai SBI Contra Fund aur Fund B hai Old Bridge Mutual Fund Liquid Fund. Ye dono funds alag-alag categories mein hain. Aaj humein yeh jaanna hai ki kis fund mein paisa lagana achha hai. Chaliye, is article mein humein Fund A aur Fund B ke characteristics aur inke beech ka comparison milega.
[VERDICT]| Parameter | ASBI Contra Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.73 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.12 |
| Sharpe Ratio | 0.72 | 3.58 |
| 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% | 239% |
🤖 AI Verdict – Which is Better?
Humare paas 3Y return, expense ratio, aur risk ki jaankari hai. Sach ye hai, koi bhi fund kitna bhi achha ho, iska expense ratio kam hona chahiye. Fund A ka expense ratio 0.72% hai, lekin yeh ek high-risk fund hai, aur iska 3Y return 16.36% hai. Fund B ka expense ratio 0.12% hai, aur yeh ek low-risk fund hai, lekin iska 3Y return 6.93% hai. Haan, Fund A ka 3Y return Fund B se adhik hai, lekin Fund B ka expense ratio kam hai. Haan, kuchh log Fund A ko prefer karenge, kuchh log Fund B ko. Lekin humare paas is tarah ka verdict hai: Fund A hai long-term wealth creation ke liye achha fund.
[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 Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Aap ko pata hai ki SIP ka matlab hai Systematic Investment Plan. Ye ek aisa plan hai jismein aap ek fixed amount paisa monthly invest karte hain. Humare paas 10+ saal ke SIP ke liye dono funds ka comparison hai. Fund A ka 3Y return 16.36% hai, lekin yeh ek high-risk fund hai. Fund B ka 3Y return 6.93% hai, lekin yeh ek low-risk fund hai. Haan, Fund B ka consistency aur return stability Fund A se adhik hai. Lekin, agar aap ek high-risk fund prefer karte hain, to Fund A achha option hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Humare paas riskometer, volatility, Sharpe ratio, aur expense ratio ki jaankari hai. Fund A ka riskometer Very High hai, aur yeh ek high-risk fund hai. Fund B ka riskometer Low hai, aur yeh ek low-risk fund hai. Haan, Fund A ka volatility 13.7 hai, aur yeh ek high-volatility fund hai. Fund B ka volatility 0.12 hai, aur yeh ek low-volatility fund hai. Haan, Fund A ka Sharpe ratio 0.72 hai, aur yeh ek average Sharpe ratio hai. Fund B ka Sharpe ratio 3.58 hai, aur yeh ek high-Sharpe ratio hai. Haan, Fund B ka expense ratio 0.12% hai, aur yeh ek kam expense ratio hai. Lekin, Fund A ka long-term wealth creation ke liye achha fund hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Humare paas asset allocation aur top holdings concentration ki jaankari hai. Fund A ka 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% hai. Fund B ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00% hai. Haan, Fund A ka asset allocation Fund B se adhik diversified hai. Lekin, Fund A ka top holdings concentration bahut adhik hai. Fund A ka top 3 holdings HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) hai. Fund B ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai. Haan, Fund B ka top holdings concentration Fund A se kam hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Old Bridge 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?
Answer: Fund A ka 5Y return 18.26% hai, lekin yeh ek high-risk fund hai. Lekin, iska 5Y return Fund B (6.11%) se adhik hai.
Q2: Is the higher risk fund worth it?
Answer: Fund A ka volatility 13.7 hai, aur yeh ek high-volatility fund hai. Lekin, Fund A ka Sharpe ratio 0.72 hai, aur yeh ek average Sharpe ratio hai. Haan, kuchh log Fund A ko prefer karenge, kuchh log Fund B ko.
Q3: Which fund is more cost‑effective?
Answer: Fund B ka expense ratio 0.12% hai, aur yeh ek kam expense ratio hai. Lekin, Fund A ka long-term wealth creation ke liye achha fund 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