SBI Debt Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.96%
Chaliye dekho, today we are comparing two popular funds from different categories - SBI Debt Fund and Canara Robeco Liquid Fund. Fund A is a debt fund, which is suitable for investors looking for regular income and moderate risk, while Fund B is a liquid fund, ideal for those seeking liquidity and low risk. In this article, we will analyze these funds based on their performance, risk, and cost to determine which one is better for long-term wealth creation.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Canara Robeco |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 3337.33 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 4.18 |
| 1 Year Return (%) | 4.95% | 6.22% |
| 3 Year Return (%) | 14.51% | 6.96% |
| 5 Year Return (%) | 12.09% | 6.13% |
| Since Launch (%) | N/A | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we consider 3Y return, expense ratio, and riskometer. Fund A has a 3Y return of 14.51%, which is higher than Fund B's 6.96%. However, Fund B has a lower expense ratio of 0.12% compared to Fund A's 0.71%. Considering these factors, our verdict is that Fund B is a better option for long-term wealth creation due to its consistent returns and lower costs.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
SIPs are a great way to invest in mutual funds, and we need to consider which fund is better suited for SIPs. Fund B has a higher consistency in returns compared to Fund A, making it a better option for SIPs. With a Sharpe ratio of 4.18, Fund B offers better risk-adjusted returns, which is ideal for SIPs.
⚠️ Risk & Cost Analysis
dekho, when it comes to risk and cost, we need to compare riskometer, volatility, Sharpe ratio, and expense ratio. Fund B has a lower riskometer rating of Low compared to Fund A's Moderate rating. Additionally, Fund B has a lower volatility of 0.11 compared to Fund A's 3. This indicates that Fund B is a safer option. However, Fund A's Sharpe ratio of 2.67 is higher than Fund B's 4.18, which means Fund A offers better risk-adjusted returns.
📊 Portfolio Diversification
Portfolio diversification is crucial to minimize risk. Fund A has an asset allocation of 40% Debenture, 30% SDL, 20% T-Bills, and 10% GOI Sec, while Fund B has an asset allocation of 65% T-Bills, 20% CD, 10% CP, and 5% Cash. Fund A's asset allocation is more diversified compared to Fund B, which has a higher concentration in T-Bills.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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?
Haan, according to 5Y and 3Y returns, Fund A gives better returns in the long run.
Q2: Is the higher risk fund worth it?
Lekin, considering volatility and Sharpe ratio, Fund A's higher risk may not be worth it, as Fund B offers better risk-adjusted returns.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B is more cost-effective with an expense ratio of 0.12% compared to Fund A's 0.71%.
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