SBI Debt Fund vs Aditya Birla Sun Life Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.14%
Chaliye dekho, two popular investment options for Indian investors - SBI Debt Fund and Aditya Birla Sun Life Large Cap Fund. Fund A is a debt fund, while Fund B is a large-cap equity fund. Sach ye hai, debt funds provide relatively stable returns, while large-cap funds offer growth potential. In this comparison, we will help you decide which fund is better for your long-term wealth creation.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAditya Birla Sun Life Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 1009.42 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.61 |
| Sharpe Ratio | 2.67 | 0.61 |
| 1 Year Return (%) | 4.95% | 2.72% |
| 3 Year Return (%) | 14.51% | 14.14% |
| 5 Year Return (%) | 12.09% | 10.5% |
| Since Launch (%) | N/A | 14.49% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 50 |
| Top 3 Holdings | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 150% | 29% |
🤖 AI Verdict – Which is Better?
Haaan, based on our analysis, Fund A - SBI Debt Fund - Direct Plan - Growth is a better option for long-term wealth creation. It has a 3Y return of 14.51%, which is higher than Fund B's 3Y return of 14.14%. Lekin, its expense ratio of 0.71% is slightly higher than Fund B's 0.52%. But Fund A's riskometer is Moderate, which makes it a more stable option. Dekho, Fund A is a better choice for risk-averse investors.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider Aditya Birla Sun Life Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.14%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Chaliye dekho, if you are investing through a Systematic Investment Plan (SIP) for 10+ years, Fund A is a more suitable option. Its returns are more consistent, and its volatility is lower than Fund B. Haan, Fund A's Sharpe ratio of 2.67 is higher than Fund B's 0.61, which means it offers better risk-adjusted returns. Lekin, if you are willing to take on higher risk, Fund B may be a better option for growth.
⚠️ Risk & Cost Analysis
Sach ye hai, when it comes to risk and cost analysis, Fund A has a Moderate riskometer, while Fund B has a Very High riskometer. Lekin, Fund A's expense ratio of 0.71% is slightly higher than Fund B's 0.52%. Dekho, Fund A's Sharpe ratio of 2.67 is higher than Fund B's 0.61, which means it offers better risk-adjusted returns. Haan, Fund A's volatility of 3 is lower than Fund B's 12.61.
📊 Portfolio Diversification
Chaliye dekho, Fund A has a diversified portfolio with an asset allocation of Debenture: 40.00%, SDL: 30.00%, T-Bills: 20.00%, and GOI Sec: 10.00%. Haan, its top 3 holdings are National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), and Rural Electrification Corporation Ltd. (4.9%). Lekin, Fund B is a large-cap equity fund with an asset allocation of Equity: 96.00% and T-Bills: 4.00%. Dekho, its top 3 holdings are HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%). Haan, Fund B has a higher sector risk due to its concentration in a few large-cap stocks.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Aditya Birla Sun Life Large Cap Fund
₹1321695.07
@14.1% 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?
Haan, based on 5Y returns, Fund A gives better returns at 12.09% compared to Fund B's 10.5%. Dekho, Fund A's 3Y return is also higher at 14.51% compared to Fund B's 14.14%. Lekin, the difference is not significant, and both funds are good options for long-term investments.
Q2: Is the higher risk fund worth it?
Sach ye hai, if you are willing to take on higher risk, Fund B may be a better option for growth. Lekin, its volatility of 12.61 is higher than Fund A's 3, which means it is riskier. Haan, Fund B's Sharpe ratio of 0.61 is lower than Fund A's 2.67, which means it offers lower risk-adjusted returns. Dekho, risk-averse investors may prefer Fund A.
Q3: Which fund is more cost-effective?
Haan, Fund B is more cost-effective with an expense ratio of 0.52% compared to Fund A's 0.71%. Lekin, the difference is not significant, and both funds are relatively low-cost options. Dekho, cost-effective investors may prefer Fund B.
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