SBI Debt Fund vs Axis Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
21.36%
kya hai yeh, kya hai woh - humein do aise fundon ke beech comparison karna hai jo ki Debt aur Large Cap category mein aate hain. Fund A - SBI Debt Fund Direct Plan Growth hai, jabki Fund B - Axis Bluechip Fund Direct Plan Growth hai. aaj humein in dono fundon ke beech ki comparison karni hai aur dekhiye ki kon se fund long-term mein aur achha hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAxis Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 20.09 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.45 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.32 |
| Sharpe Ratio | 2.67 | 1.31 |
| 1 Year Return (%) | 4.95% | 5.85% |
| 3 Year Return (%) | 14.51% | 21.36% |
| 5 Year Return (%) | 12.09% | 5.92% |
| Since Launch (%) | N/A | 16.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 28 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Ashish Naik; Shreyash Devalkar (7.8 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% | 16% |
🤖 AI Verdict – Which is Better?
haan, dekho, humein yeh nirdharit karna hai ki kon se fund long-term wealth creation ke liye better hai. isme 3Y return, expense ratio, aur risk ka dhyan rakha hai. Fund A ka 3Y return 14.51% hai, jo ki Fund B se 7.95% zyada hai. Expense ratio ke taur par bhi Fund A 0.71% ka rakhta hai, jo ki Fund B se 0.19% zyada hai. Riskometer ke taur par bhi Fund A Moderate hai, jo ki Fund B se zyada risk wala hai. to, humein lagta hai ki Fund A long-term mein 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 Axis Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 21.36%
- AUM: 3.45 Lac Cr
- Sharpe Ratio: 1.31
📈 SIP Suitability
SIP ke liye humein consistent return aur stability ka dhyan rakna hai. Fund A ka 1Y return 4.95% hai, jo ki Fund B se zyada hai. Lekin, 5Y return ke taur par Fund B 5.92% ka rakhta hai, jo ki Fund A se kam hai. to, Fund A SIP ke liye achha hai, lekin Fund B ka 5Y return bhi achha hai.
⚠️ Risk & Cost Analysis
iski baat hai expense ratio, volatility aur Sharpe ratio ke taur par. Fund A ka expense ratio 0.71% hai, jo ki Fund B se zyada hai. Volatility ke taur par bhi Fund A 3 hai, jo ki Fund B se kam hai. Sharpe ratio ke taur par bhi Fund A 2.67 hai, jo ki Fund B se zyada hai. to, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
asset allocation aur top holdings ke concentration ke taur par humein dekna hai. Fund A mein Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00% ka rakhta hai. Fund B mein Equity 96.00% aur T-Bills 4.00% ka rakhta hai. top holdings ke concentration ke taur par bhi Fund A mein National Bank For Agriculture And Rural Development 5.8%, Power Finance Corporation Ltd. 5.2%, Rural Electrification Corporation Ltd. 4.9% ka rakhta hai. Fund B mein HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, Reliance Industries Ltd. 6.9% ka rakhta hai. to, Fund A mein asset allocation aur top holdings ke concentration mein zyada diversification hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Axis Bluechip Fund
₹2089333.11
@21.4% 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?
Fund A ka 5Y return 12.09% hai, jo ki Fund B se 6.17% zyada hai. to, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Volatility ke taur par Fund B 11.32 hai, jo ki Fund A se zyada hai. Lekin, Sharpe ratio ke taur par Fund A 2.67 hai, jo ki Fund B se zyada hai. to, Fund A better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Expense ratio ke taur par Fund A 0.71% hai, jo ki Fund B se zyada hai. to, 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