SBI Contra Fund vs PPFAS 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%
Aap sabhi ki jaankari ke liye, humein do mutual funds ke beech kaalaj mein dekha hoga. Fund A, SBI Contra Fund Direct Plan - Growth hai, jis ka category Multi Cap hai. Iske sath, hum Fund B, PPFAS Mutual Fund Liquid Fund Direct Plan - Growth par bhi dekheinge, jo Liquid Fund category se hai. Hum aapko is dono fund ke beech ka tarikhik return, riskometer, volatility aur asset allocation ke beech ka comparison karenge.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 4.41 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) | Rajeev Thakkar (3.5 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%) | 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% | 249% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, 3Y return, expense ratio aur risk ke beech se hum dekhte hai ki Fund A 16.36% ka 3Y return deta hai, jabki Fund B 6.93% ka return deta hai. Expense ratio ke beech se bhi Fund A 0.72% ka expense ratio deta hai, jabki Fund B 0.12% ka expense ratio deta hai. Riskometer ke beech se bhi Fund A Very High riskometer deta hai, jabki Fund B Low riskometer deta hai. Iske liye, hum Fund A ko better fund ke roop mein consider karenge.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Monthly SIP ke liye, Fund A ka 3Y return aur Fund B ka 6.93% ka 3Y return ke beech se hum dekhte hai ki Fund B ka return Fund A se thoda stable hai. Iske liye, hum Fund B ko monthly SIP ke liye better fund maante hain.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke beech se hum dekhte hai ki Fund A Very High riskometer deta hai, jabki volatility 13.7 hai. Fund B ka Low riskometer aur 0.12 ka volatility hai. Sharpe ratio ke beech se bhi Fund B ka 3.58 Sharpe ratio Fund A ka 0.72 Sharpe ratio se adhik hai. Expense ratio ke beech se bhi Fund B ka 0.12% ka expense ratio Fund A ka 0.72% ka expense ratio se kam hai. Iske liye, hum Fund B ko better risk-adjusted returns offering fund maante hain.
📊 Portfolio Diversification
Asset allocation ke beech se hum dekhte hai ki Fund A ka 81.12% equity, 2.35% T-Bills, 2.19% forgn. eq, 1.92% debenture, 1.05% CD, 0.94% REITs aur -0.03% call option deta hai. Fund B ka 65.00% T-Bills, 20.00% CD, 10.00% CP aur 5.00% cash deta hai. Top holdings concentration ke beech se bhi Fund A ka HDFC Bank Ltd, Reliance Industries Ltd aur Biocon Ltd Fund B ka State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills se adhik concentrated hai. Iske liye, hum Fund B ko better diversified portfolio offering fund maante hain.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
PPFAS 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 ka 5Y return 18.26% hai, jabki Fund B ka 5Y return 6.11% hai. Iske liye, Fund A ko long run ke returns ke liye better fund maanta hai.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 13.7 hai, jabki Fund B ka volatility 0.12 hai. Sharpe ratio ke beech se bhi Fund B ka 3.58 Sharpe ratio Fund A ka 0.72 Sharpe ratio se adhik hai. Iske liye, Fund B ko better risk-adjusted returns offering fund maanta hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.72% hai. Iske liye, Fund B ko better cost-effective fund maanta 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