SBI Contra Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
13.45%
Today, hum discuss two fund options from SBI Mutual Fund - SBI Contra Fund and SBI Small Cap Fund. Both funds have different categories, which will help us understand their investment goals and strategies. Dekho, in this article, we will compare these funds on various parameters to help you decide which one is better for your long-term wealth creation.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | Small Cap |
| NAV (₹) | 408.51 | 192.12 |
| AUM (₹ Cr) | 4.74 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.82% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 17.83 |
| Sharpe Ratio | 0.72 | 0.39 |
| 1 Year Return (%) | -1.21% | 0.06% |
| 3 Year Return (%) | 16.36% | 13.45% |
| 5 Year Return (%) | 18.26% | 14.57% |
| Since Launch (%) | 15.48% | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | R. Srinivasan (10.2 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty Smallcap 250 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| 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: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 130% | 23% |
🤖 AI Verdict – Which is Better?
Haan, both funds are very high-risk, but SBI Contra Fund is a better option for long-term wealth creation. Dekho, it has a 3Y return of 16.36%, which is higher than SBI Small Cap Fund's 13.45%. Lekin, the expense ratio of SBI Contra Fund is lower at 0.72% compared to SBI Small Cap Fund's 0.82%. Sach ye hai, these two factors make SBI Contra Fund a better choice for long-term investors.
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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Chaliye, let's compare these funds for a monthly SIP for 10+ years. SBI Contra Fund is more consistent with returns, while SBI Small Cap Fund has higher returns in some years but lower returns in others. Dekho, if you're looking for a stable SIP, SBI Contra Fund might be a better option. Haan, it has a higher Sharpe ratio, which means it provides better risk-adjusted returns.
⚠️ Risk & Cost Analysis
Lekin, risk is a crucial factor to consider. SBI Contra Fund has a riskometer of Very High and a volatility of 13.7, while SBI Small Cap Fund has a riskometer of Very High and a volatility of 17.83. Dekho, the Sharpe ratio of SBI Contra Fund is also higher at 0.72 compared to SBI Small Cap Fund's 0.39. Sach ye hai, these factors make SBI Contra Fund a better option for risk-averse investors.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation of both funds. SBI Contra Fund has a diversified portfolio with 81.12% in equity, while SBI Small Cap Fund is more concentrated with 91% in equity. Dekho, the top holdings of SBI Contra Fund are HDFC Bank Ltd., Reliance Industries Ltd., and Biocon Ltd., while SBI Small Cap Fund has Aarti Drugs Ltd., Hatsun Agro Product Ltd., and National Aluminium Company Ltd. in its top three holdings. Sach ye hai, SBI Contra Fund has a more diversified portfolio.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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 Contra Fund gives better returns in the long run with a 5Y return of 18.26% compared to SBI Small Cap Fund's 14.57%.
Q2: Is the higher risk fund worth it?
No, SBI Contra Fund is not a higher risk fund than SBI Small Cap Fund. Although both funds have a Very High riskometer, SBI Contra Fund has a lower volatility of 13.7 compared to SBI Small Cap Fund's 17.83.
Q3: Which fund is more cost-effective?
SBI Contra Fund is more cost-effective with an expense ratio of 0.72% compared to SBI Small Cap Fund's 0.82%.
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