SBI Debt Fund vs Axis Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
17.52%
yeh article mein hum apne pade hue do funds ki tulna karenge. Fund A ek debt fund hai, jabki Fund B ek small cap fund hai. aapko is article mein humein kya seekhne ka ummeed hai, woh yeh hai ki aapko pata chalega ki kis fund mein nahin lagne ki aavashyakta hai.
[VERDICT]| Parameter | ASBI Debt Fund - Direct Plan - Growth | BAxis Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Debt | Small Cap |
| NAV (₹) | 13.73 | 124.14 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.74 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.92% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 17.03 |
| Sharpe Ratio | 2.67 | 0.65 |
| 1 Year Return (%) | 4.95% | 4.52% |
| 3 Year Return (%) | 14.51% | 17.52% |
| 5 Year Return (%) | 12.09% | 18.04% |
| Since Launch (%) | N/A | 22.39% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 5 December 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Krishnaa Narayan; Mayank Hyanki; Tejas Sheth (2.8 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Smallcap 250 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%) | CCL Products (India) Ltd. (2.79%), Krishna Institute of Medical Sciences Ltd (2.47%), JB Chemicals & Pharmaceuticals Ltd. (2.23%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 88.35% | ID: 1.76% | T-Bills: 0.55% |
| Portfolio Turnover | 150% | 12% |
🤖 AI Verdict – Which is Better?
haan, ab hum pahle hi hi kaha karte the ki Fund A ek debt fund hai, jabki Fund B ek small cap fund hai. lekin aapko pata hai ki long-term mein kis fund ka return sabse adhik hai. dekho, Fund A ka 3Y return 14.51% hai, jabki Fund B ka 3Y return 17.52% hai. lekin expense ratio aur riskometer ka dhyan rakhna bhi zaroori hai. haan, Fund A ka expense ratio 0.71% hai, jabki Fund B ka expense ratio 0.92% hai. aur riskometer mein bhi Fund B ka riskometer very high hai. to, hamari verdict hai ki Fund A long-term mein aapko better returns de sakta hai, lekin Fund B ka riskometer aur expense ratio ka dhyan rakhna bhi zaroori hai.
[SIP_SUITABILITY]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 Small Cap Fund?
- Expense ratio: 0.92%
- 3Y return: 17.52%
- AUM: 2.74 Lac Cr
- Sharpe Ratio: 0.65
📈 SIP Suitability
dekho, SIP suitabiliti ke liye humein consistency aur return stability ka dhyan rakhna hai. lekin kahaan tak humein khaane dena hai, yeh sawal hain. haan, Fund A ka 1Y return 4.95% hai, jabki Fund B ka 1Y return 4.52% hai. lekin 3Y aur 5Y mein Fund B ka return adhik hai. to, hamari kahaani hai ki Fund B SIP ke liye adhik suitable hai.
[RISK_COST]⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ka dhyan rakhna zaroori hai. lekin expense ratio bhi zaroori hai. haan, Fund A ka riskometer moderate hai, jabki Fund B ka riskometer very high hai. lekin volatility mein Fund B ka volatility 17.03 hai, jabki Fund A ka volatility 3 hai. aur expense ratio mein bhi Fund B ka expense ratio 0.92% hai, jabki Fund A ka expense ratio 0.71% hai. to, hamari kahaani hai ki Fund A risk-adjusted returns mein better hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
dekho, asset allocation ka dhyan rakhna zaroori hai. Fund A ka asset allocation 40% debenture, 30% SDL, 20% T-Bills, aur 10% GOI Sec hai. jabki Fund B ka asset allocation 88.35% equity hai. to, hamari kahaani hai ki Fund A ka asset allocation adhik diversified hai. lekin top holdings concentration mein bhi Fund A ka concentration kam hai, jabki Fund B ka concentration jyada hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Axis Small Cap Fund
₹1630847.06
@17.5% 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 B ka 5Y return 18.04% hai, jabki Fund A ka 5Y return 12.09% hai. lekin expense ratio aur riskometer ka dhyan rakhna bhi zaroori hai.
Q2: Is the higher risk fund worth it?
na, Fund B ka volatility 17.03 hai, aur riskometer very high hai. lekin Fund B ka return bhi adhik hai. to, aapko apni investment ke liye decide karna hai.
Q3: Which fund is more cost‑effective?
sach ye hai, Fund A ka expense ratio 0.71% hai, jabki Fund B ka expense ratio 0.92% hai. to, Fund A 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