SBI Contra Fund vs UTI 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%
Chaliye dekho, aaj hum do fundon ka comparison karenge - SBI Contra Fund aur UTI Liquid Fund. Ye dono fund different category mein hain. SBI Contra Fund Multi Cap category ka hai, jabki UTI Liquid Fund Liquid Fund category ka hai. Is article mein, hum apni puri jaankari share karenge aur dekhein ki kis fund mein nivesh karne ke liye upyogi hai.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 5622.79 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.11 |
| Sharpe Ratio | 0.72 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term mein wealth creation ke liye, humein 3Y return, expense ratio, aur risk par dhyan dena chahiye. Dekhna kya hai, SBI Contra Fund 16.36% ka 3Y return deta hai, jabki UTI Liquid Fund 6.93% ka return deta hai. Lekin, expense ratio ke maadhyam se, UTI Liquid Fund kam mahanga hai. Aur riskometer ke maadhyam se, UTI Liquid Fund low risk category ka hai. Isliye, humein lagta hai ki UTI Liquid Fund 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, humein consistency aur return stability par dhyan dena chahiye. UTI Liquid Fund ka 1Y return 6.17% hai, jabki SBI Contra Fund ka 1Y return -1.21% hai. Isliye, UTI Liquid Fund ke liye SIP suitble hai. Lekin, SBI Contra Fund ke liye, 10+ saal ke liye SIP ke liye upayogi hai, kyonki iska 3Y return kafi accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke maadhyam se, hum dekhte hain ki kis fund mein better risk-adjusted returns hain. UTI Liquid Fund ka riskometer low hai, volatility 0.11 hai, aur Sharpe ratio 3.91 hai. Isliye, UTI Liquid Fund mein risk-adjusted returns better hain. Lekin, SBI Contra Fund ka expense ratio 0.72% hai, jo kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke maadhyam se, hum dekhte hain ki kis fund mein portfolio diversification better hai. SBI Contra Fund mein equity 81.12% ka hain, jabki UTI Liquid Fund mein T-Bills 65.00% ka hain. Isliye, SBI Contra Fund mein portfolio diversification better hai. Lekin, UTI Liquid Fund mein top holdings concentration kam hai.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
UTI 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?
SBI Contra Fund ka 5Y return 18.26% hai, jabki UTI Liquid Fund ka 5Y return 6.11% hai. Isliye, SBI Contra Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
SBI Contra Fund ka riskometer very high hai, aur volatility 13.7 hai. Isliye, SBI Contra Fund mein risk-adjusted returns kam hain. UTI Liquid Fund mein risk-adjusted returns better hain, isliye humein lagta hai ki UTI Liquid Fund mein nivesh karna better hai.
Q3: Which fund is more cost-effective?
UTI Liquid Fund ka expense ratio 0.12% hai, jo kam hai. Isliye, UTI Liquid 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