SBI Debt Fund vs Axis ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
11.66%
Dekho, aaj hum do funds ke beech ka comparison kar rahe hain - SBI Debt Fund aur Axis ELSS Tax Saver Fund. Ye do funds aapke investment ke liye ideal hain ya nahi, yeh jaanne ke liye hum in dono funds ka analysis kar rahe hain. Chaliye, jaanein kya aapko invest karne ke liye ek fund chunne ke liye kya sujhav milte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAxis ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Debt | ELSS |
| NAV (₹) | 13.73 | 104.77 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.16 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.66% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.4 |
| Sharpe Ratio | 2.67 | 0.39 |
| 1 Year Return (%) | 4.95% | -2.52% |
| 3 Year Return (%) | 14.51% | 11.66% |
| 5 Year Return (%) | 12.09% | 8.43% |
| Since Launch (%) | N/A | 15.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Ashish Naik; Shreyash Devalkar (2.8 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 500 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%) | ICICI Bank Ltd. (7.04%), HDFC Bank Ltd. (5.64%), Bharti Airtel Ltd. (4.32%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.56% |
| Portfolio Turnover | 150% | 14% |
🤖 AI Verdict – Which is Better?
Haan, yeh ek aisa fund hai jo long-term wealth creation ke liye achha hai. Dekho, 3Y return, expense ratio aur risk ke hisaab se SBI Debt Fund better hai. Lekin, yeh nahi kaha hai ki dono funds mehsoos nahi hota hai, lekin SBI Debt Fund long-term mein aapko better returns de sakta 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 ELSS Tax Saver Fund?
- Expense ratio: 1.66%
- 3Y return: 11.66%
- AUM: 3.16 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP suitability ke liye, hum dekh rahe hain ki monthly SIP ke liye koi fund kyun chunen. Chaliye, hum aapko batayenge ki Fund A ya Fund B better hai SIP ke liye. Fund A ki consistency aur return stability better hai, isliye ye fund monthly SIP ke liye aapke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ke hisaab se hum dekh rahe hain ki Fund A ya Fund B better hai. Dekho, Fund A ki riskometer moderate hai, volatility 3 hai, Sharpe ratio 2.67 hai aur expense ratio 0.71% hai. Ye sab baatein is baat ke hisaab se dekh rahe hain ki Fund A better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se hum dekh rahe hain ki Fund A ya Fund B better hai. Dekho, Fund A ki asset allocation mein debentures, SDL, T-Bills aur GOI Sec ka 100% hain. Top holdings mein National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd. aur Rural Electrification Corporation Ltd. hai. Yeh fund portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Axis ELSS Tax Saver Fund
₹1138461.04
@11.7% 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?
Sach ye hai, Fund A ki 5Y return 12.09% aur 3Y return 14.51% hai, jo Fund B ki 5Y return 8.43% aur 3Y return 11.66% se better hai.
Q2: Is the higher risk fund worth it?
Dekho, Fund B ki volatility 13.4 hai, jo Fund A ki volatility 3 se kai ghataao se zyada hai. Sharpe ratio ke hisaab se bhi Fund B better hai, lekin risk ke hisaab se ye fund aapke liye nahi hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ki expense ratio 0.71% hai, jo Fund B ki expense ratio 1.66% se kam hai. Isliye, Fund A aapke liye 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