SBI Debt Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.85%
Aaj hum do fundon ko compare kar rahe hain - SBI Debt Fund aur Aditya Birla Sun Life Liquid Fund. Ye do fund alag-alag categories mein hain, debt aur liquid fund. Dekho, hum apne readers ko batayenge ki kis fund ki category aur kis me long-term wealth creation ke liye achi hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 443.77 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.13 |
| Sharpe Ratio | 2.67 | 2.69 |
| 1 Year Return (%) | 4.95% | 6.09% |
| 3 Year Return (%) | 14.51% | 6.85% |
| 5 Year Return (%) | 12.09% | 6.05% |
| Since Launch (%) | N/A | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 2 April 2006 |
| 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 Liquid Index |
| Top 3 Holdings | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 150% | 279% |
🤖 AI Verdict – Which is Better?
Haan, tumhari sabhi problems ko hal karne ke liye hum aapko batayenge ki kis fund better hai. Hum 3Y return, expense ratio aur risk ke adhar par humaari verdict hai. Fund A ki 3Y return 14.51% hai, jo bahut achi hai. Lekin expense ratio bhi bahut acha hai, 0.71% only. Fund B ki 3Y return 6.85% hai, jo thoda kam hai lekin expense ratio bhi kam hai, 0.12% only. Haan, hum aapko batayenge ki kis fund better hai.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
SIP ke liye kis fund acha hai, yaar? Hum aapko batayenge ki kis fund ka consistency aur return stability kitna acha hai. Fund A ki 1Y return 4.95% hai, jiska consistency thoda kam hai lekin 3Y return bhi bahut achi hai. Fund B ki 1Y return 6.09% hai, jiska consistency bhi acha hai lekin 3Y return thoda kam hai. Chaliye, hum aapko batayenge ki kis fund SIP ke liye acha hai.
⚠️ Risk & Cost Analysis
Haan, tumhari sabhi problems ko hal karne ke liye hum aapko batayenge ki kis fund mein riskometer, volatility, Sharpe ratio aur expense ratio kitna acha hai. Fund A ka riskometer moderate hai, jiska volatility 3 hai. Sharpe ratio bhi acha hai, 2.67. Lekin expense ratio thoda jyada hai, 0.71%. Fund B ka riskometer low hai, jiska volatility 0.13 hai. Sharpe ratio bhi acha hai, 2.69. Lekin expense ratio bahut kam hai, 0.12%. Haan, hum aapko batayenge ki kis fund mein risk-adjusted returns kitna acha hai.
📊 Portfolio Diversification
Haan, tumhari sabhi problems ko hal karne ke liye hum aapko batayenge ki kis fund mein asset allocation aur top holdings concentration kitna acha hai. Fund A mein debenture 40% aur SDL 30% hai. Top holdings mein National Bank For Agriculture And Rural Development 5.8% aur Power Finance Corporation Ltd. 5.2% hai. Fund B mein T-Bills 65% aur CD 20% hai. Top holdings mein State Bank of India CD 8.5% aur HDFC Bank CD 7.2% hai. Haan, hum aapko batayenge ki kis fund mein portfolio diversification kitna acha hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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?
Answer: Fund A ki 5Y return 12.09% hai, jo Fund B ki 5Y return 6.05% se bahut achi hai. Haan, Fund A long run mein achi returns deti hai.
Q2: Is the higher risk fund worth it?
Answer: Fund A ka riskometer moderate hai, jiska volatility 3 hai. Lekin Sharpe ratio bhi acha hai, 2.67. Fund B ka riskometer low hai, jiska volatility 0.13 hai. Lekin Sharpe ratio bhi acha hai, 2.69. Haan, Fund A ka higher risk kitna acha hai, ye aapko apne investment ke adhikar mein decide karna hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.71% se bahut kam hai. Haan, Fund B 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