SBI Debt Fund vs Angel One Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.7%
Yaar, aaj hum do alag-alag funds ke beech comparison karne ja rahe hain - SBI Debt Fund aur Angel One Mutual Fund Multi Cap Fund. Dekho, kya aapko pata hai ki kis fund ka apna category hai aur kya aap isme investment karna chahte hain. Aaj hum ek sahi fund ke baare mein jaanne ja rahe hain jo aapko long-term wealth creation ke liye sahi rasta dikhayega.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAngel One Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 8.38 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.86 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.4 |
| Sharpe Ratio | 2.67 | 1.52 |
| 1 Year Return (%) | 4.95% | -11.42% |
| 3 Year Return (%) | 14.51% | 12.7% |
| 5 Year Return (%) | 12.09% | 7.44% |
| Since Launch (%) | N/A | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 6 November 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 500 Multicap 50:25:25 TRI |
| 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 150% | 32% |
🤖 AI Verdict – Which is Better?
Haan, ab let's pehli baar se fund ke 3Y return, expense ratio aur risk ke baare mein baat karen. SBI Debt Fund ne 14.51% ka return diya hai, jabki Angel One Mutual Fund Multi Cap Fund ne -11.42% ka return diya hai. Iske alawa, expense ratio bhi bahut important hai. SBI Debt Fund ka expense ratio 0.71% hai, jabki Angel One Mutual Fund Multi Cap Fund ka 1.68% hai. Riskometer bhi bahut important hai, aur SBI Debt Fund ka riskometer moderate hai, jabki Angel One Mutual Fund Multi Cap Fund ka riskometer very high hai. Toh, yeh kaha ja sakta hai ki SBI Debt Fund aapke liye better fund 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 12.7%
- AUM: 1.86 Lac Cr
- Sharpe Ratio: 1.52
📈 SIP Suitability
Dekho, agar aapko monthly SIP karna hai to kis fund ka chayan karna hoga? SBI Debt Fund ka 1Y return 4.95% hai, jabki Angel One Mutual Fund Multi Cap Fund ka 1Y return -11.42% hai. Iske alawa, SBI Debt Fund ka 3Y return aur 5Y return bhi bahut achhe hai. Angel One Mutual Fund Multi Cap Fund ka 3Y return aur 5Y return bhi thode achhe hain, lekin SBI Debt Fund ka stability aur consistency bahut acchi hai. Toh, yeh kaha ja sakta hai ki SBI Debt Fund aapke liye better fund hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio bhi bahut important hai. SBI Debt Fund ka riskometer moderate hai, jabki Angel One Mutual Fund Multi Cap Fund ka riskometer very high hai. Volatility bhi bahut important hai, aur SBI Debt Fund ka volatility 3 hai, jabki Angel One Mutual Fund Multi Cap Fund ka 13.4 hai. Iske alawa, Sharpe ratio bhi bahut important hai, aur SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki Angel One Mutual Fund Multi Cap Fund ka 1.52 hai. Expense ratio bhi bahut important hai, aur SBI Debt Fund ka expense ratio 0.71% hai, jabki Angel One Mutual Fund Multi Cap Fund ka 1.68% hai. Toh, yeh kaha ja sakta hai ki SBI Debt Fund aapke liye better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Dekho, asset allocation aur top holdings concentration bhi bahut important hai. SBI Debt Fund ka asset allocation debenture, SDL, T-Bills aur GOI securities mein 40%, 30%, 20% aur 10% hai. Iske alawa, top holdings concentration bhi bahut acchi hai, aur SBI Debt Fund ka top 3 holdings National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd. aur Rural Electrification Corporation Ltd. hai. Angel One Mutual Fund Multi Cap Fund ka asset allocation equity aur T-Bills mein 97% aur 3% hai. Iske alawa, top holdings concentration bhi bahut acchi hai, aur Angel One Mutual Fund Multi Cap Fund ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. hai. Toh, yeh kaha ja sakta hai ki SBI Debt Fund aapke liye better fund hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Angel One Mutual Fund Multi Cap Fund
₹1211348.26
@12.7% 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, jabki Angel One Mutual Fund Multi Cap Fund ka 5Y return 7.44% hai. Iske alawa, SBI Debt Fund ka 3Y return 14.51% hai, jabki Angel One Mutual Fund Multi Cap Fund ka 3Y return 12.7% hai. Toh, yeh kaha ja sakta hai ki SBI Debt Fund aapke liye better fund hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Haan, agar aapko high-risk fund chahie hai to Angel One Mutual Fund Multi Cap Fund ek acchi option hai. Iske alawa, volatility aur Sharpe ratio bhi bahut important hai, aur Angel One Mutual Fund Multi Cap Fund ka volatility 13.4 hai aur Sharpe ratio 1.52 hai. Toh, yeh kaha ja sakta hai ki Angel One Mutual Fund Multi Cap Fund aapke liye better fund hai high-risk investors ke liye.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jabki Angel One Mutual Fund Multi Cap Fund ka expense ratio 1.68% hai. Toh, yeh kaha ja sakta hai ki SBI Debt Fund aapke liye better fund hai cost-effectiveness ke liye.
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