SBI Debt Fund vs DSP 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%
Kya aapke paas 2 investment options hain, lekin aapko decide nahi ho raha hai ki kon sa fund aapke liye better hai. In 2 funds mein se ek Debt fund hai, jabki dusra Large Cap fund. Aaj hum yeh jaanne ki koshish karenge ki aapko kis fund ka chayan karna chahiye, agar aap long-term wealth creation chahte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BDSP Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.82 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.97 |
| Sharpe Ratio | 2.67 | 0.69 |
| 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) | Atul Bhole (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% | 23% |
🤖 AI Verdict – Which is Better?
Hum aapko SBI Debt Fund aur DSP Mutual Fund Large Cap Fund ke beech se ek fund ka chayan karne ki salah dene ja rhe hain. Dekho, SBI Debt Fund ka 3Y return 14.51% hai, jabki DSP Mutual Fund Large Cap Fund ka 3Y return 14.7% hai. Lekin, expense ratio ke liye SBI Debt Fund 0.71% hai, jabki DSP Mutual Fund Large Cap Fund 0.52% hai. Riskometer ke hisaab se, DSP Mutual Fund Large Cap Fund Very High risk hai, jabki SBI Debt Fund Moderate risk hai. Haan, SBI Debt Fund ka 3Y return aur expense ratio ke hisaab se, yeh fund aapke 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 DSP Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.82 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Agar aapko monthly SIP ke liye 10+ years ke liye invest karna hai, to hum aapko SBI Debt Fund ka chayan karna salah denge. Dekho, SBI Debt Fund ka consistency aur return stability kaafi accha hai. Chaliye, DSP Mutual Fund Large Cap Fund ka return stability kaafi achha nahi hai, lekin yeh fund risk lene ke liye taiyar hai. Haan, SBI Debt Fund aapke liye better fund hai.
⚠️ Risk & Cost Analysis
Hum aapko SBI Debt Fund aur DSP Mutual Fund Large Cap Fund ke beech riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se compare karne ja rhe hain. Dekho, DSP Mutual Fund Large Cap Fund ka riskometer Very High hai, jabki SBI Debt Fund ka Moderate hai. Volatility ke hisaab se, DSP Mutual Fund Large Cap Fund ka volatility 11.97 hai, jabki SBI Debt Fund ka 3 hai. Sharpe ratio ke hisaab se, SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki DSP Mutual Fund Large Cap Fund ka 0.69 hai. Haan, SBI Debt Fund aapke liye better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Hum aapko SBI Debt Fund aur DSP Mutual Fund Large Cap Fund ke beech asset allocation aur top holdings concentration ka compare karne ja rhe hain. Dekho, SBI Debt Fund ka asset allocation mein debenture, SDL, T-Bills, aur GOI Sec ki distribution acchi hai. Lekin, DSP Mutual Fund Large Cap Fund ka asset allocation mein equity ki distribution kaafi jyada hai. Top holdings concentration ke hisaab se, SBI Debt Fund ka top holdings mein concentration kaafi kam hai. Haan, SBI Debt Fund aapke liye better fund hai portfolio diversification ke liye.
Q1: Which fund gives better returns in the long run?
Sach ye hai ki SBI Debt Fund ka 5Y return 12.09% hai, jabki DSP Mutual Fund Large Cap Fund ka 5Y return 12.03% hai. Lekin, DSP Mutual Fund Large Cap Fund ka 3Y return 14.7% hai, jabki SBI Debt Fund ka 3Y return 14.51% hai. Haan, DSP Mutual Fund Large Cap Fund aapke liye better fund hai long-run returns ke liye.
Q2: Is the higher risk fund worth it?
Haan, DSP Mutual Fund Large Cap Fund ka higher risk fund hai, lekin yeh fund volatility aur Sharpe ratio ke hisaab se better hai. Dekho, DSP Mutual Fund Large Cap Fund ka volatility 11.97 hai, jabki SBI Debt Fund ka 3 hai. Lekin, SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki DSP Mutual Fund Large Cap Fund ka 0.69 hai. Haan, yeh fund aapke liye better hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki DSP Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jabki SBI Debt Fund ka 0.71% hai. Haan, DSP Mutual Fund Large Cap Fund aapke liye better fund hai cost-effectiveness ke liye.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
DSP 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.
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