SBI Debt Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.76%
Sab log debt aur liquid funds ki comparison karte hain, lekin aaj hum 2 khaas funds ki comparison karenge - SBI Debt Fund aur Angel One Mutual Fund Liquid Fund. Dekho, kya aapko pata hai ki kis fund mein aapko invest karne ke liye kya vikalp hain?
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 2132.04 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 2.36 |
| 1 Year Return (%) | 4.95% | 6.03% |
| 3 Year Return (%) | 14.51% | 6.76% |
| 5 Year Return (%) | 12.09% | 5.95% |
| Since Launch (%) | N/A | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
Sach ye hai, kis fund mein aapko long term mein investment karne ke liye invest karna chahiye. Hamare analysis ke anusaar, Angel One Mutual Fund Liquid Fund 3Y return aur expense ratio ke hisaab se achi chunauti deta hai. Ismein expense ratio 0.12% hai, jo ki SBI Debt Fund ke expense ratio 0.71% se kam hai. Chaliye, ismein kuch aur jaankari padhne ko milegi.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
SIP ke liye, humein consistency aur return stability ki zaroorat hoti hai. Dekho, SBI Debt Fund 3Y aur 5Y return mein bahut achha hai, lekin Angel One Mutual Fund Liquid Fund ki consistency bhi bahut achhi hai. Lekin, agar aapka investment period 10+ saal ka hai, to SBI Debt Fund aapko better return deta hai. Haan, ismein kuch risiko bhi hai, lekin yeh fund aapke investment ke liye accha vikalp ho sakta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, Angel One Mutual Fund Liquid Fund aapko better risk-adjusted returns deta hai. Iska riskometer low hai, jo ki SBI Debt Fund ka riskometer moderate hai. Lekin, expense ratio ke hisaab se, SBI Debt Fund aur Angel One Mutual Fund Liquid Fund mein koi bhi vadhya difference nahin hai. Chaliye, ismein kuch aur jaankari padhne ko milegi.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, Angel One Mutual Fund Liquid Fund aapko better diversification deta hai. Iska asset allocation T-Bills, CD, CP, aur cash mein hai, jo ki SBI Debt Fund ke asset allocation ke liye bhi acha hai. Haan, SBI Debt Fund mein top holdings mein kuch sector risk hai, lekin yeh fund bhi aapke investment ke liye accha vikalp ho sakta hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
SBI Debt Fund 5Y aur 3Y return mein achi hai, lekin Angel One Mutual Fund Liquid Fund ki consistency bhi bahut achhi hai. Haan, ismein kuch risiko bhi hai, lekin yeh fund aapke investment ke liye accha vikalp ho sakta hai.
Q2: Is the higher risk fund worth it?
Haan, SBI Debt Fund ka riskometer moderate hai, lekin iska Sharpe ratio 2.67 hai, jo ki Angel One Mutual Fund Liquid Fund ka Sharpe ratio 2.36 se zyada hai. Isliye, yeh fund aapke investment ke liye accha vikalp ho sakta hai.
Q3: Which fund is more cost-effective?
Angel One Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki SBI Debt Fund ka expense ratio 0.71% se kam hai. Isliye, yeh fund aapke investment ke liye accha vikalp ho sakta 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