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
19.68%
Today, we're comparing two funds - SBI Debt Fund and Axis Bluechip Fund. SBI Debt Fund is a debt fund, while Axis Bluechip Fund is a large-cap equity fund. We'll be analyzing their returns, risk, and cost to determine which one is better suited for long-term wealth creation. Dekho, let's dive in!
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAxis Bluechip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 18.82 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.45 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.34 |
| Sharpe Ratio | 2.67 | 1.16 |
| 1 Year Return (%) | 4.95% | 4.44% |
| 3 Year Return (%) | 14.51% | 19.68% |
| 5 Year Return (%) | 12.09% | 5.62% |
| Since Launch (%) | N/A | 14.6% |
| 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?
Sach ye hai, for long-term wealth creation, we need to look at the 3Y return, expense ratio, and risk. Fund A has a 3Y return of 14.51%, which is higher than Fund B's 19.68%. However, Axis Bluechip Fund has a very high riskometer, which might not be suitable for all investors. Considering the expense ratio, SBI Debt Fund has a lower expense ratio of 0.71% compared to Axis Bluechip Fund's 1.52%. Haan, based on these parameters, we think Fund A is a better choice for long-term wealth creation.
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: 1.52%
- 3Y return: 19.68%
- AUM: 3.45 Lac Cr
- Sharpe Ratio: 1.16
📈 SIP Suitability
Lekin, when it comes to SIP suitably, we need to consider the consistency and return stability. Both funds have shown good returns in the past, but Axis Bluechip Fund has been more volatile. Chaliye, if you're starting an SIP for 10+ years, we recommend Fund A. Its consistent returns and lower volatility make it a better choice for long-term SIP investors.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, and expense ratio are all important factors to consider when evaluating a fund. Fund A has a moderate riskometer and a Sharpe ratio of 2.67, while Axis Bluechip Fund has a very high riskometer and a Sharpe ratio of 1.16. Volatility-wise, Axis Bluechip Fund is also higher. Considering these factors, Fund A offers better risk-adjusted returns and is a more cost-effective option with an expense ratio of 0.71% compared to Axis Bluechip Fund's 1.52%.
📊 Portfolio Diversification
Portfolio diversification is also an important aspect to consider. Fund A has a diversified portfolio with debentures, SDLs, T-Bills, and GOI securities. In contrast, Axis Bluechip Fund has a concentrated portfolio with a majority of its assets invested in equity. Top holdings-wise, both funds have a high concentration of their assets in a few stocks. However, Axis Bluechip Fund has a higher sector risk due to its high concentration in banking and finance.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Axis Bluechip Fund
₹1872598.46
@19.7% 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?
Based on 5Y returns, Fund A (SBI Debt Fund) has given a return of 12.09%, while Axis Bluechip Fund has given a return of 5.62%. Hence, Fund A gives better returns in the long run.
Q2: Is the higher risk fund worth it?
Axis Bluechip Fund has a very high riskometer and volatility of 11.34, which might not be suitable for all investors. The Sharpe ratio of 1.16 is also lower than Fund A's. Lekin, based on individual risk tolerance, if you're willing to take on higher risk, Axis Bluechip Fund might be worth considering.
Q3: Which fund is more cost-effective?
Expense ratio-wise, Fund A (SBI Debt Fund) has an expense ratio of 0.71%, while Axis Bluechip Fund has an expense ratio of 1.52%. Haan, Fund A is more cost-effective.
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