SBI Debt Fund vs Edelweiss 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
6.99%
Humari discussion mein do mutual funds ke beech ki aadmi hai - SBI Debt Fund aur Edelweiss Liquid Fund. Yeh dono fund aise hee hai jo aapko investment ke liye option de sakte hain. Is article mein hum yeh jaanne ki koshish karenge ki yeh dono fund kaise karte hain aur kis fund mein aapko invest karna chahiye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BEdelweiss Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Edelweiss Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 3598.40 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.21 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.13 |
| Sharpe Ratio | 2.67 | 3.77 |
| 1 Year Return (%) | 4.95% | 6.24% |
| 3 Year Return (%) | 14.51% | 6.99% |
| 5 Year Return (%) | 12.09% | 6.17% |
| Since Launch (%) | N/A | 72.46% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 27 November 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Bharat Lahoti (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% | 295% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, humko 3Y return, expense ratio, aur risk ki jaankari ki zaroorat hai. SBI Debt Fund ki 3Y return 14.51% hai, jisse yeh fund zyada achi lagti hai. Expense ratio mein bhi SBI Debt Fund achha hai, jisme 0.71% hai. Riskometer mein bhi SBI Debt Fund Moderate hai, jisse yeh fund zyada achi lagti hai. Isliye, humko lagta hai ki SBI Debt Fund mein invest karna achha 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 Edelweiss Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.99%
- AUM: 4.21 Lac Cr
- Sharpe Ratio: 3.77
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, humko consistency aur return stability ki jaankari ki zaroorat hai. Edelweiss Liquid Fund ki return stability zyada hai, lekin SBI Debt Fund ki consistency bhi achhi hai. SBI Debt Fund ki return stability 5Y return mein 12.09% hai, jisse yeh fund zyada achi lagti hai. Isliye, humko lagta hai ki SBI Debt Fund mein SIP karna achha hai.
⚠️ Risk & Cost Analysis
Riskometer mein, SBI Debt Fund Moderate hai, jisse yeh fund zyada achi lagti hai. Volatility mein bhi SBI Debt Fund achha hai, jisme 3 hai. Sharpe ratio mein bhi SBI Debt Fund achha hai, jisme 2.67 hai. Expense ratio mein bhi SBI Debt Fund achha hai, jisme 0.71% hai. Isliye, humko lagta hai ki SBI Debt Fund mein invest karna achha hai.
📊 Portfolio Diversification
Asset allocation mein, SBI Debt Fund ki asset allocation zyada diversified hai. SBI Debt Fund mein Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00% hai. Edelweiss Liquid Fund mein T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai. Isliye, humko lagta hai ki SBI Debt Fund mein invest karna achha hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Edelweiss Mutual Fund Liquid Fund
₹869986.27
@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?
SBI Debt Fund ki 5Y return 12.09% hai, jisse yeh fund zyada achi lagti hai.
Q2: Is the higher risk fund worth it?
SBI Debt Fund ki volatility 3 hai, jisse yeh fund achha hai. Edelweiss Liquid Fund ki volatility 0.13 hai, jisse yeh fund kam achi hai.
Q3: Which fund is more cost-effective?
Edelweiss Liquid Fund ki expense ratio 0.12% hai, jisse yeh fund zyada cost-effective hai. SBI Debt Fund ki expense ratio 0.71% hai, jisse yeh fund kam 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