SBI Contra Fund vs Tata 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%
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.13 |
| Sharpe Ratio | 0.72 | 3.31 |
| 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye Fund A, SBI Contra Fund Direct Plan Growth, better hai. Iska reason 3Y return, low expense ratio, aur high riskometer hai. Fund A ka 3Y return 16.36% hai, jo Fund B se adhik hai. Expense ratio bhi Fund A mein 0.72% hai, jo Fund B mein 0.12% hai. Riskometer bhi Fund A mein high hai, jo Fund B mein low hai. Haan, Fund A ka 5Y return bhi adhik hai, 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ke liye Fund A, SBI Contra Fund Direct Plan Growth, better hai. Iska reason 10+ saal ke liye Fund A ka return consistency aur stability hai. Fund A ka 1Y return -1.21% hai, jo Fund B ke liye kathin hai. Lekin Fund A ka 3Y return aur 5Y return Fund B se adhik hai. Haan, Fund A ka return volatility bhi high hai, lekin Fund B ka return stability hai.
⚠️ Risk & Cost Analysis
Fund A aur Fund B ke riskometer, volatility, Sharpe ratio, aur expense ratio ke beech comparison karenge. Fund A ka riskometer high hai, 13.7, aur Fund B ka riskometer low hai, 0.13. Volatility bhi Fund A mein high hai, 13.7, aur Fund B mein low hai, 0.13. Sharpe ratio bhi Fund A mein 0.72 hai, jo Fund B mein 3.31 hai. Expense ratio bhi Fund A mein 0.72% hai, jo Fund B mein 0.12% hai. Haan, Fund A ka return risk-adjusted hai, lekin Fund B ka return stability hai.
📊 Portfolio Diversification
Fund A aur Fund B ke asset allocation aur top holdings concentration ke beech comparison karenge. Fund A ka asset allocation Equity mein 81.12% hai, jo Fund B mein T-Bills mein 65.00% hai. Top holdings concentration bhi Fund A mein high hai, HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), aur Biocon Ltd. (3.04%). Fund B ke top holdings concentration bhi high hai, State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%). Haan, Fund A ka asset allocation adhik diversified hai, lekin Fund B ka top holdings concentration bhi high hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Tata 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?
Sach ye hai ki Fund A ka 5Y return 18.26% hai, jo Fund B ka 6.11% se adhik hai. Isliye Fund A long-run mein better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund worth hai. Iska reason Fund A ka return risk-adjusted hai aur Fund B ka return stability hai. Lekin Fund B ka riskometer low hai, 0.13. Isliye Fund B ke liye bhi ek vikalp hai.
Q3: Which fund is more cost-effective?
Fund B Tata Mutual Fund Liquid Fund Direct Plan Growth cost-effective hai. Iska reason Fund B ka expense ratio 0.12% hai, jo Fund A ka 0.72% se kam hai. Haan, Fund B ka AUM 34992 Cr hai, jo Fund A ka 47352.17 Cr se kam 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