SBI Debt Fund vs Angel One Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.3%
dekho, humne do mutual funds ki comparison ki hai - SBI Debt Fund aur Angel One Mutual Fund Balanced Advantage Fund. yeh dono funds alag categories mein aate hain, ek debt hai aur doosra balanced hybrid. chaliye, hum dekhte hain ki inme se kaunsa fund aapke liye better hai, aur aap kyu invest kar sakte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAngel One Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Debt | Balanced Hybrid |
| NAV (₹) | 13.73 | 16.39 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.78% |
| Riskometer | Moderate | Moderately High |
| Volatility | 3 | 8.79 |
| Sharpe Ratio | 2.67 | 0.66 |
| 1 Year Return (%) | 4.95% | 3.08% |
| 3 Year Return (%) | 14.51% | 12.3% |
| 5 Year Return (%) | 12.09% | 7.51% |
| Since Launch (%) | N/A | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 50 Hybrid Composite Debt 65:35 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%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 150% | 127% |
🤖 AI Verdict – Which is Better?
haan, SBI Debt Fund ka 3Y return 14.51% hai, jo Angel One Mutual Fund Balanced Advantage Fund se zyada hai. iske alawa, SBI Debt Fund ka expense ratio 0.71% hai, jo Angel One Mutual Fund Balanced Advantage Fund ke 0.78% se kam hai. risk ke maamle mein, SBI Debt Fund ka riskometer moderate hai, jabki Angel One Mutual Fund Balanced Advantage Fund ka moderately high hai. isliye, hum kehte hain ki SBI Debt Fund long-term wealth creation ke liye 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 Angel One Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
chaliye, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, toh SBI Debt Fund better option hai. iske returns zyada consistent hain, aur risk bhi kam hai. lekin, agar aap equity mein invest karna chahte hain, toh Angel One Mutual Fund Balanced Advantage Fund bhi ek accha option hai, lekin usme risk zyada hai.
⚠️ Risk & Cost Analysis
sach ye hai ki SBI Debt Fund ka riskometer moderate hai, jabki Angel One Mutual Fund Balanced Advantage Fund ka moderately high. SBI Debt Fund ka volatility 3 hai, jabki Angel One Mutual Fund Balanced Advantage Fund ka 8.79 hai. Sharpe ratio ke maamle mein, SBI Debt Fund ka 2.67 hai, jo Angel One Mutual Fund Balanced Advantage Fund ke 0.66 se zyada hai. isliye, SBI Debt Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
dekho, SBI Debt Fund ka asset allocation debt mein 40%, SDL mein 30%, T-Bills mein 20%, aur GOI Sec mein 10% hai. Angel One Mutual Fund Balanced Advantage Fund ka asset allocation equity mein 65%, debt mein 30%, aur T-Bills mein 5% hai. top holdings ke maamle mein, SBI Debt Fund ka concentration kam hai, jabki Angel One Mutual Fund Balanced Advantage Fund ka zyada hai. isliye, SBI Debt Fund more diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Angel One Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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 Debt Fund ka 5Y return 12.09% hai, jo Angel One Mutual Fund Balanced Advantage Fund ke 7.51% se zyada hai. isliye, SBI Debt Fund better returns deta hai.
Q2: Is the higher risk fund worth it?
Angel One Mutual Fund Balanced Advantage Fund ka volatility 8.79 hai, jo SBI Debt Fund ke 3 se zyada hai. lekin, Sharpe ratio ke maamle mein, SBI Debt Fund ka 2.67 hai, jo Angel One Mutual Fund Balanced Advantage Fund ke 0.66 se zyada hai. isliye, higher risk fund worth nahi hai.
Q3: Which fund is more cost‑effective?
SBI Debt Fund ka expense ratio 0.71% hai, jo Angel One Mutual Fund Balanced Advantage Fund ke 0.78% se kam hai. isliye, SBI Debt Fund more 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