SBI Debt Fund vs DSP 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
6.77%
Ab hum aapko do mutual funds ke beech ka comparison karne ja rahe hain - SBI Debt Fund aur DSP Liquid Fund. Ye dono funds kisi bhi investment portfolio mein aasani se fit kar sakte hain. Is article mein hum aapko iski comparison karenge aur dekhenge ki kis fund se long-term wealth creation ke liye aapke pasar hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 89.77 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 2.25 |
| 1 Year Return (%) | 4.95% | 2.95% |
| 3 Year Return (%) | 14.51% | 6.77% |
| 5 Year Return (%) | 12.09% | 5.92% |
| Since Launch (%) | N/A | 6.91% |
| 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 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% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, yahaan dono funds ki comparison hai. SBI Debt Fund ka 3Y return 14.51% hai, jabki DSP Liquid Fund ka 3Y return 6.77% hai. Haan, SBI Debt Fund ka expense ratio 0.71% hai, jabki DSP Liquid Fund ka expense ratio 0.12% hai. Isliye, SBI Debt Fund long-term wealth creation ke liye aapke liye better option 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
Ab hum yahaan SIP ke liye dono funds ki comparison karenge. SBI Debt Fund ka 3Y return ka consistency DSP Liquid Fund se adhik hai. Haan, lekin DSP Liquid Fund ka 1Y return ka consistency SBI Debt Fund se adhik hai. Isliye, SBI Debt Fund SIP ke liye aapke liye better option hai.
⚠️ Risk & Cost Analysis
Ab hum yahaan riskometer, volatility, Sharpe ratio, aur expense ratio ke liye dono funds ki comparison karenge. SBI Debt Fund ka riskometer moderate hai, jabki DSP Liquid Fund ka riskometer low hai. Haan, SBI Debt Fund ka volatility DSP Liquid Fund se adhik hai, lekin SBI Debt Fund ka Sharpe ratio DSP Liquid Fund se adhik hai. Isliye, SBI Debt Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Ab hum yahaan asset allocation aur top holdings concentration ke liye dono funds ki comparison karenge. SBI Debt Fund ka asset allocation debt instruments mein DSP Liquid Fund se adhik hai, lekin DSP Liquid Fund ka asset allocation cash mein SBI Debt Fund se adhik hai. Haan, SBI Debt Fund ka top holdings concentration DSP Liquid Fund se adhik hai. Isliye, DSP Liquid Fund more diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% 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 ka 5Y return 12.09% hai, jabki DSP Liquid Fund ka 5Y return 5.92% hai. Isliye, SBI Debt Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, SBI Debt Fund ka volatility DSP Liquid Fund se adhik hai, lekin SBI Debt Fund ka Sharpe ratio DSP Liquid Fund se adhik hai. Isliye, SBI Debt Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, DSP Liquid Fund ka expense ratio SBI Debt Fund ka expense ratio se adhik kam hai. Isliye, DSP 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