SBI Debt Fund vs Bandhan Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.7%
Dekho, today humein do debt aur large cap funds ke beech ka comparison karna hai. Fund A hai SBI Debt Fund Direct Plan Growth aur Fund B hai Bandhan Mutual Fund Large Cap Fund Direct Plan Growth. Chaliye, humein ye jaanna hai ki kis fund mein 10+ years ke liye SIP karna hai aur kis mein risk-adjusted returns ki guarantee hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BBandhan Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.04 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.11 |
| Sharpe Ratio | 2.67 | 0.68 |
| 1 Year Return (%) | 4.95% | -4.02% |
| 3 Year Return (%) | 14.51% | 14.7% |
| 5 Year Return (%) | 12.09% | 12.03% |
| Since Launch (%) | N/A | 11.65% |
| 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) | Manish Gunwani (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Haan, humein 3Y return, expense ratio, aur risk ke adhar par fund ka verdict dene ki zaroorat hai. Fund A ka 3Y return 14.51% hai jabki Fund B ka 14.7% hai. Expense ratio ke maamle mein Fund B ka expense ratio 0.52% hai, jo Fund A ki 0.71% se kam hai. Lekin Fund A ka Riskometer moderate hai, jabki Fund B ka very high hai. Sach ye hai, Fund A aapke long-term wealth creation ke liye better chunavi 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 Bandhan Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.04 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Chaliye, humein 10+ years ke liye SIP ke liye kis fund ka chayan karna hai. Fund A ka 3Y return aur expense ratio Fund B se achha hai. Lekin Fund A ka 1Y return -4.02% hai, jo Fund B ki comparison mein kam hai. Dekho, Fund A ki consistency aur return stability Fund B se kam hai. Haan, Fund B ka higher risk hai, lekin 10+ years ke liye SIP karte huye, Fund A ke risk-adjusted returns Fund B se achhe honge.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karna bahut zaroori hai. Fund A ka riskometer moderate hai, jabki Fund B ka very high hai. Volatility ke maamle mein Fund B ka 12.11 hai, jo Fund A ki 3 se kam hai. Sharpe ratio ke maamle mein Fund A ka 2.67 hai, jo Fund B ki 0.68 se jyada hai. Expense ratio ke maamle mein Fund B ka expense ratio 0.52% hai, jo Fund A ki 0.71% se kam hai. Haan, Fund A aapke risk-adjusted returns ke liye better chunavi hai.
📊 Portfolio Diversification
Chaliye, humein asset allocation aur top holdings concentration ko compare karna hai. Fund A ka asset allocation Debenture, SDL, T-Bills, aur GOI Sec mein 40%, 30%, 20%, aur 10% hai. Fund B ka asset allocation equity mein 96% hai, aur T-Bills mein 4% hai. Dekho, Fund A ka asset allocation Fund B ke comparison mein jyada diversified hai. Haan, Fund A ka top holdings concentration National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd., aur Rural Electrification Corporation Ltd. mein 5.8%, 5.2%, aur 4.9% hai. Fund B ka top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein 8.5%, 7.8%, aur 6.9% hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Bandhan Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Haan, Fund B ka 5Y return 12.03% hai, jo Fund A ki 12.09% se kam hai. Lekin Fund A ka 3Y return 14.51% hai, jo Fund B ki 14.7% se kam hai. Sach ye hai, Fund A aapke long-term wealth creation ke liye better chunavi hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk hai, lekin 10+ years ke liye SIP karte huye, Fund A ke risk-adjusted returns Fund B se achhe honge. Fund B ka Sharpe ratio 0.68 hai, jo Fund A ki 2.67 se kam hai. Dekho, Fund A aapke risk-adjusted returns ke liye better chunavi hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.52% hai, jo Fund A ki 0.71% se kam hai. Dekho, Fund B aapke cost-effective chunavi hai. Lekin Fund A ka asset allocation aur top holdings concentration Fund B ke comparison mein jyada diversified 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