SBI Debt Fund vs Axis Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.98%
Chaliye, dekho, we are comparing two popular funds in India. Fund A is SBI Debt Fund - Direct Plan - Growth, and Fund B is Axis Liquid Fund - Direct Plan - Growth. Both are well-established options, but they belong to different categories. Fund A is a debt fund, while Fund B is a liquid fund. Today, we will help you understand which fund is better suited for your investment goals.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAxis Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Debt | Liquid |
| NAV (₹) | 13.73 | 3096.85 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.16 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.11% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 4.36 |
| 1 Year Return (%) | 4.95% | 6.25% |
| 3 Year Return (%) | 14.51% | 6.98% |
| 5 Year Return (%) | 12.09% | 6.17% |
| Since Launch (%) | N/A | 6.86% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) |
| 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%) | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% |
| Portfolio Turnover | 150% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, Fund A is the clear winner. Its 3Y return is significantly higher at 14.51% compared to Fund B's 6.98%. Lekin, the expense ratio of Fund A is slightly higher at 0.71% compared to Fund B's 0.11%. Haan, considering the returns, Fund A is a better option 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 Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
📈 SIP Suitability
For a monthly SIP for 10+ years, I would recommend Fund B. Fund B has a lower expense ratio and provides consistent returns. Lekin, Fund A's returns are higher, but its asset allocation is more concentrated in debentures. Chaliye, if you're looking for a low-risk, consistent option, Fund B is a better choice.
⚠️ Risk & Cost Analysis
Haan, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A has a moderate riskometer and a Sharpe ratio of 2.67, while Fund B has a low riskometer and a Sharpe ratio of 4.36. Lekin, Fund B's expense ratio is significantly lower at 0.11%. Sach ye hai, Fund B offers better risk-adjusted returns.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation and top holdings concentration of both funds. Fund A's asset allocation is more concentrated in debentures, while Fund B's allocation is more diversified across CP, CD, and T-Bills. Haan, Fund B's top holdings are more diversified, but it has a higher concentration in government securities. Lekin, Fund A has a higher concentration in sector-specific debentures.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Axis Liquid Fund
₹869500.53
@7.0% 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 gives better returns in the long run. Its 5Y return is 12.09%, while Fund B's 5Y return is 6.17%.
Q2: Is the higher risk fund worth it?
Haan, considering the volatility, Fund A is riskier. Lekin, its Sharpe ratio is higher at 2.67. Fund B has a lower volatility but a lower Sharpe ratio at 4.36. Sach ye hai, it's a trade-off between risk and return.
Q3: Which fund is more cost-effective?
Haan, Fund B is more cost-effective. Its expense ratio is significantly lower at 0.11% compared to Fund A's 0.71%.
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