SBI Debt Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.62%
Aapke paas do funds hain, Fund A ek debt fund hai, aur Fund B ek large cap fund hai. Aaj humein ye jaanna hai ki yeh do funds kis tarah se kiye ja sakte hain. Dekho, humein Fund A aur Fund B ke beech main difference kya hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Baroda BNP Paribas |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 251.36 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.08 |
| Sharpe Ratio | 2.67 | 0.62 |
| 1 Year Return (%) | 4.95% | -0.15% |
| 3 Year Return (%) | 14.51% | 14.62% |
| 5 Year Return (%) | 12.09% | 11.06% |
| Since Launch (%) | N/A | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Sanjay Chawla (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% | 34% |
🤖 AI Verdict – Which is Better?
Haan, let's see. Fund A ne 3 saal ke liye 14.51% ki return di hai, jabki Fund B ne 3 saal ke liye 14.62% ki return di hai. Lekin, expense ratio ke liye Fund A 0.71% se zyada mahnga hai. Chaliye, Fund B ki riskometer very high hai, lekin yeh fund aapke long-term wealth creation ke liye 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 Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
Monthly SIP ke liye, yeh fund kis tarah se accha hai? Fund A ki consistency aur return stability Fund B ke liye thodi kam hai. Dekho, Fund A ne 3 saal ke liye 14.51% ki return di hai, jabki Fund B ne 14.62% ki return di hai. Lekin, Fund B ki volatility thodi zyada hai. Chaliye, Fund B ke liye SIP accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio - sabhi cheezein Fund A aur Fund B ke beech ki comparison karte hain. Dekho, Fund A ki riskometer moderate hai, jabki Fund B ki very high hai. Sharpe ratio ke liye Fund A 2.67 hai, jabki Fund B 0.62 hai. Chaliye, Fund A mehenga hai, lekin risk-adjusted returns Fund A se zyaada acche hain.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration - yeh sab fund ke beech main difference hai. Dekho, Fund A me debenture 40% aur SDL 30% hai, jabki Fund B me equity 96% hai. Top holdings ke liye Fund A me National Bank For Agriculture And Rural Development 5.8% hai, jabki Fund B me HDFC Bank Ltd. 8.5% hai. Chaliye, Fund A me asset allocation thodi kam diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% 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 5 saal aur 3 saal ke liye accha hai. Fund B ne 11.06% aur 14.62% ki return di hai, jabki Fund A ne 12.09% aur 14.51% ki return di hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki volatility zyada hai, lekin Fund A ki riskometer moderate hai. Sharpe ratio ke liye Fund A 2.67 hai, jabki Fund B 0.62 hai. Lekin, Fund B ki asset allocation zyada diversified hai.
Q3: Which fund is more cost-effective?
Haan, Fund B expense ratio 0.52% hai, jabki Fund A expense ratio 0.71% hai. Chaliye, Fund B accha 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