SBI Contra Fund vs SBI 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
19.98%
Aapko do funds dekhne hain - SBI Contra Fund aur SBI ELSS Tax Saver Fund. Ye dono high-risk funds hain, lekin inka asset allocation alag-alag hai. Is article mein hum in dono funds ke beech kuch aur differences nikalne jaenge.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | ELSS |
| NAV (₹) | 408.51 | 462.73 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 15.53 |
| Sharpe Ratio | 0.72 | 0.87 |
| 1 Year Return (%) | -1.21% | -1.1% |
| 3 Year Return (%) | 16.36% | 19.98% |
| 5 Year Return (%) | 18.26% | 17.91% |
| Since Launch (%) | 15.48% | 15.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Milind Agrawal (0.4 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%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| 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: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 130% | 37% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum kisi fund ko better kahaenge jisne 3Y return ka maximum return diya hai. Expense ratio bhi ek factor hai. Dekho, SBI ELSS Tax Saver Fund ne 3Y mein 19.98% ka return diya, jo ki SBI Contra Fund ke 16.36% se bada hai. Lekin expense ratio bhi 0.93% hai, jo ki SBI Contra Fund ke 0.72% se jyada hai. Haan, risk bhi ek factor hai, lekin SBI ELSS Tax Saver Fund ne Sharpe ratio me SBI Contra Fund ko chhod diya hai. Sach ye hai, SBI ELSS Tax Saver Fund long-term wealth creation ke liye better fund 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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Monthly SIP ke liye, hum dono funds ke 1Y return aur 3Y return dekhte hain. SBI ELSS Tax Saver Fund ne 1Y mein -1.1% ka return diya, jo ki SBI Contra Fund ke -1.21% se kam hai. Lekin 3Y mein, SBI ELSS Tax Saver Fund ne 19.98% ka return diya, jo ki SBI Contra Fund ke 16.36% se jyada hai. Chaliye, SBI ELSS Tax Saver Fund monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisaab se, hum dono funds ka risk level dekhenge. SBI ELSS Tax Saver Fund ne riskometer me SBI Contra Fund ko chhod diya hai, lekin volatility me SBI Contra Fund ke 13.7% se kam hai, 15.53 hai. Sharpe ratio me bhi SBI ELSS Tax Saver Fund ne SBI Contra Fund ko chhod diya hai. Expense ratio bhi ek factor hai, lekin SBI ELSS Tax Saver Fund ke 0.93% SBI Contra Fund ke 0.72% se jyada hai. Haan, SBI ELSS Tax Saver Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum dono funds ka portfolio diversification dekhenge. SBI ELSS Tax Saver Fund ne 96.05% asset allocation equity me diya hai, jo ki SBI Contra Fund ke 81.12% se jyada hai. Top holdings concentration me bhi SBI ELSS Tax Saver Fund ne SBI Contra Fund ko chhod diya hai. Dekho, ICICI Bank Ltd. aur Reliance Industries Ltd. SBI ELSS Tax Saver Fund ke top 3 holdings hai. Haan, SBI ELSS Tax Saver Fund portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
SBI ELSS Tax Saver Fund ne 5Y mein 17.91% ka return diya, jo ki SBI Contra Fund ke 18.26% se kam hai. Lekin 3Y mein, SBI ELSS Tax Saver Fund ne 19.98% ka return diya, jo ki SBI Contra Fund ke 16.36% se jyada hai. Haan, SBI ELSS Tax Saver Fund long-run me better returns offer karta hai.
Q2: Is the higher risk fund worth it?
SBI Contra Fund ka riskometer very high hai, lekin volatility me SBI ELSS Tax Saver Fund se kam hai. Sharpe ratio me bhi SBI ELSS Tax Saver Fund ne SBI Contra Fund ko chhod diya hai. Haan, SBI ELSS Tax Saver Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
SBI Contra Fund ke expense ratio 0.72% hai, jo ki SBI ELSS Tax Saver Fund ke 0.93% se kam hai. Haan, SBI Contra Fund 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