SBI Contra Fund vs Sundaram Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
22.93%
Today, we are comparing two popular Multi Cap funds - SBI Contra Fund Direct Plan Growth and Sundaram Mutual Fund Multi Cap Fund Regular Plan Growth. Dekho, both funds have been performing well in the market, but which one is better for long-term wealth creation? In this article, we will dive into the details of both funds and help you make an informed decision.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BSundaram Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Sundaram Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 408.51 | 1431.56 |
| AUM (₹ Cr) | 4.74 Lac Cr | 1.65 Lac Cr |
| Expense Ratio (%) | 0.72% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 13.7 | 14.8 |
| Sharpe Ratio | 0.72 | 1.11 |
| 1 Year Return (%) | -1.21% | 6.91% |
| 3 Year Return (%) | 16.36% | 22.93% |
| 5 Year Return (%) | 18.26% | 19.07% |
| Since Launch (%) | 15.48% | 15.59% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | S. Krishnakumar (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 130% | 50% |
🤖 AI Verdict – Which is Better?
After analyzing the performance of both funds, we can see that Sundaram Mutual Fund Multi Cap Fund Regular Plan Growth has given a higher 3Y return of 22.93% compared to SBI Contra Fund Direct Plan Growth's 16.36%. Lekin, the expense ratio of Sundaram fund is 1.68%, which is higher than SBI fund's 0.72%. Considering these factors, we think that SBI Contra Fund Direct Plan Growth is a better choice for long-term wealth creation due to its lower expense ratio and higher 5Y return of 18.26%.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider Sundaram Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 22.93%
- AUM: 1.65 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
For a monthly SIP of 10+ years, we think that SBI Contra Fund Direct Plan Growth is a better choice due to its higher 5Y return and lower expense ratio. Dekho, the fund has been consistent in its returns and has a lower volatility of 13.7 compared to Sundaram fund's 14.8. Chaliye, if you are looking for a fund that will give you stable returns over the long term, SBI Contra Fund is a good option.
⚠️ Risk & Cost Analysis
Riskometer indicates that both funds are very high risk, but when we look at the volatility, SBI Contra Fund has a lower volatility of 13.7 compared to Sundaram fund's 14.8. Sharpe ratio also indicates that SBI Contra Fund is a better choice as it has a higher Sharpe ratio of 0.72 compared to Sundaram fund's 1.11. Lekin, the expense ratio of Sundaram fund is lower, so it's a trade-off between risk and cost.
📊 Portfolio Diversification
When we look at the asset allocation of both funds, we can see that SBI Contra Fund has a diversified portfolio with 81.12% equity and 2.35% T-Bills. Sundaram fund also has a high equity allocation of 97.00%, but it's more concentrated in a few stocks like HDFC Bank, ICICI Bank, and Reliance Industries. Dekho, SBI Contra Fund is more diversified and has a lower sector risk.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Sundaram Mutual Fund Multi Cap Fund
₹2318032.57
@22.9% 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?
SBI Contra Fund Direct Plan Growth has given a higher 5Y return of 18.26% compared to Sundaram Mutual Fund Multi Cap Fund Regular Plan Growth's 19.07%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund (Sundaram Mutual Fund Multi Cap Fund Regular Plan Growth) is not worth it due to its higher volatility of 14.8 compared to SBI Contra Fund Direct Plan Growth's 13.7.
Q3: Which fund is more cost-effective?
SBI Contra Fund Direct Plan Growth is more cost-effective due to its lower expense ratio of 0.72% compared to Sundaram Mutual Fund Multi Cap Fund Regular Plan Growth's 1.68%.
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