SBI Debt Fund vs Bandhan Mutual Fund 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%
Dekho, aaj hum do mutual funds ki tarah hai - SBI Debt Fund aur Bandhan Mutual Fund Liquid Fund. Fund A Debt Fund hai, lekin Fund B Liquid Fund hai. Aaj hum iske beech mein kya kya fark hai, aur kis fund mein kis tarah ki investment karni chahiye, iske baare mein jaanenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 39.33 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 4 |
| 1 Year Return (%) | 4.95% | 1.41% |
| 3 Year Return (%) | 14.51% | 6.98% |
| 5 Year Return (%) | 12.09% | 5.96% |
| Since Launch (%) | N/A | 8.53% |
| 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 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%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 150% | 251% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ka 3Y return 14.51% hai, jabki Fund B ka 3Y return 6.98% hai. Lekin Fund A ka expense ratio 0.71% hai, jabki Fund B ka expense ratio 0.12% hai. Haan, Fund A ka riskometer Moderate hai, jabki Fund B ka Riskometer Low hai. To, kya Fund A hi accha hai? Nahi, Fund B bhi accha hai, lekin agar aap long-term wealth creation karna chahte hain, to Fund A accha 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Agar aap monthly SIP karna chahte hain, to Fund B accha hai. Yeh fund ka 1Y return 1.41% hai, lekin yeh consistency se return deti hai, jabki Fund A ka 1Y return 4.95% hai lekin yeh consistency se return nahi deti hai. Haan, Fund B ka riskometer Low hai, jabki Fund A ka riskometer Moderate hai. To, aap monthly SIP karna chahte hain, to Fund B accha hai.
⚠️ Risk & Cost Analysis
Volatility ke hisab se Fund B accha hai, yeh ki 0.12 hai, jabki Fund A ki volatility 3 hai. Sharpe ratio ke hisab se bhi Fund B accha hai, yeh ki 4 hai, jabki Fund A ka Sharpe ratio 2.67 hai. Lekin expense ratio ke hisab se Fund B accha hai, yeh ki 0.12% hai, jabki Fund A ka expense ratio 0.71% hai. To, Fund B ki expense ratio aur volatility kam hai.
📊 Portfolio Diversification
Fund A ka asset allocation hai Debenture 40%, SDL 30%, T-Bills 20%, aur GOI Sec 10%. Fund B ka asset allocation hai T-Bills 65%, CD 20%, CP 10%, aur Cash 5%. Haan, Fund A ka top holdings concentration hai National Bank For Agriculture And Rural Development 5.8%, Power Finance Corporation Ltd. 5.2%, aur Rural Electrification Corporation Ltd. 4.9%. Fund B ka top holdings concentration hai State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8%. To, Fund B ka asset allocation aur top holdings concentration kam hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Bandhan Mutual Fund 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?
Fund A ka 5Y return 12.09% hai, jabki Fund B ka 5Y return 5.96% hai. To, Fund A fund better returns deti hai.
Q2: Is the higher risk fund worth it?
Volatility ke hisab se Fund A ki volatility 3 hai, jabki Fund B ki volatility 0.12 hai. Sharpe ratio ke hisab se bhi Fund A ka Sharpe ratio 2.67 hai, jabki Fund B ka Sharpe ratio 4 hai. To, Fund B ki risk-adjusted returns better hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jabki Fund A ka expense ratio 0.71% hai. To, Fund B 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