SBI Debt Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.92%
Chaliye dekho, aaj hum do fundon ka comparison karenge - SBI Debt Fund aur Baroda BNP Paribas Liquid Fund. Ye dono fund different categories mein hain, Debt aur Liquid fund. Aaj hamari zaroorat hai SBI Debt Fund aur Baroda BNP Paribas Liquid Fund mein kya farq hai aur kis fund ka long-term wealth creation ke liye upyogi hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Baroda BNP Paribas |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 3208.35 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 3.82 |
| 1 Year Return (%) | 4.95% | 6.16% |
| 3 Year Return (%) | 14.51% | 6.92% |
| 5 Year Return (%) | 12.09% | 6.14% |
| Since Launch (%) | N/A | 6.88% |
| 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) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki SBI Debt Fund better hai long-term wealth creation ke liye. Ye fund 3Y return ke hisab se 14.51% dete hai, jabki Baroda BNP Paribas Liquid Fund hi 6.92% dete hai. Expense ratio ke hisab se bhi SBI Debt Fund 0.71% dete hai, jabki Baroda BNP Paribas Liquid Fund 0.12% dete hai. Riskometer ke hisab se bhi SBI Debt Fund moderate risk par hai, jabki Baroda BNP Paribas Liquid Fund low risk par hai. Isliye, SBI Debt Fund long-term wealth creation ke liye better 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
SIP suitabilitiy ke hisab se, SBI Debt Fund monthly SIP ke liye upyogi hai. Ye fund 10+ years ke liye consistency aur return stability dete hai. Baroda BNP Paribas Liquid Fund ka 1Y return 6.16% hai, lekin 3Y return 6.92% hai. Isliye, SBI Debt Fund monthly SIP ke liye upyogi hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ke hisab se, SBI Debt Fund better hai. Riskometer ke hisab se, SBI Debt Fund moderate risk par hai, jabki Baroda BNP Paribas Liquid Fund low risk par hai. Volatility ke hisab se, SBI Debt Fund 3 hai, jabki Baroda BNP Paribas Liquid Fund 0.11 hai. Sharpe ratio ke hisab se, SBI Debt Fund 2.67 hai, jabki Baroda BNP Paribas Liquid Fund 3.82 hai. Expense ratio ke hisab se, SBI Debt Fund 0.71% hai, jabki Baroda BNP Paribas Liquid Fund 0.12% hai. Isliye, SBI Debt Fund better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Portfolio diversification ke hisab se, SBI Debt Fund better hai. Ye fund 40.00% debenture, 30.00% SDL, 20.00% T-Bills aur 10.00% GOI Sec mein invest karte hai. Baroda BNP Paribas Liquid Fund 65.00% T-Bills, 20.00% CD, 10.00% CP aur 5.00% cash mein invest karte hai. Isliye, SBI Debt Fund better hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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, SBI Debt Fund 5Y return 12.09% dete hai, jabki Baroda BNP Paribas Liquid Fund 6.14% dete hai. Isliye, SBI Debt Fund long run mein better hai.
Q2: Is the higher risk fund worth it?
Haaan, SBI Debt Fund 3 ke riskometer par hai, jabki Baroda BNP Paribas Liquid Fund 0.11 ke riskometer par hai. Sharpe ratio ke hisab se, SBI Debt Fund 2.67 hai, jabki Baroda BNP Paribas Liquid Fund 3.82 hai. Isliye, SBI Debt Fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Baroda BNP Paribas Liquid Fund expense ratio 0.12% hai, jabki SBI Debt Fund 0.71% hai. Isliye, Baroda BNP Paribas Liquid Fund more 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