SBI Debt Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.63%
Dekho, aaj main aapko Fund A aur Fund B ke beech ka comparison karne ja raha hoon. Fund A ek debt fund hai, jabki Fund B ek flexi cap fund hai. Aapko is article mein pata chalega ki kis fund mein nivesh karne se aapka paisa zyada badh sakta hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Franklin Templeton |
| Category | Debt | Flexi Cap |
| NAV (₹) | 13.73 | 110.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.96% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.27 |
| Sharpe Ratio | 2.67 | 0.57 |
| 1 Year Return (%) | 4.95% | -2.38% |
| 3 Year Return (%) | 14.51% | 14.63% |
| 5 Year Return (%) | 12.09% | 12.31% |
| Since Launch (%) | N/A | 14.46% |
| 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) | Anand Radhakrishnan (3.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 500 TRI |
| 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. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 150% | 48% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A aur Fund B dono hi fund aapke liye acche hain, lekin Fund A zyada accha hai. Fund A ka 3Y return 14.51% hai, jo ki Fund B ka 14.63% se kam hai. Haan, Fund B ka expense ratio 0.96% hai, jo ki Fund A ka 0.71% se zyada hai. Lekin, Fund A ka riskometer moderate hai, jo ki Fund B ka very high riskometer se kam 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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
Chaliye, let's SIP suitabilty ke bare mein baat karte hain. Fund A ek debt fund hai, jo ki Fund B se zyada stable hai. Fund A ka 1Y return 4.95% hai, jo ki Fund B ka -2.38% se zyada hai. Haan, Fund A ka consistency Fund B se zyada accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke bare mein dekhte hain. Fund A ka riskometer moderate hai, jo ki Fund B ka very high riskometer se kam hai. Fund A ka volatility 3 hai, jo ki Fund B ka 14.27 se kam hai. Haan, Fund A ka Sharpe ratio 2.67 hai, jo ki Fund B ka 0.57 se zyada hai. Expense ratio ke bare mein, Fund A ka expense ratio 0.71% hai, jo ki Fund B ka 0.96% se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke bare mein dekhte hain. Fund A ka asset allocation debt mein hai, jismein debenture 40.00%, SDL 30.00%, T-Bills 20.00% aur GOI Sec 10.00% hai. Fund B ka asset allocation equity mein hai, jismein equity 95.00% aur T-Bills 5.00% hai. Top holdings ke bare mein, Fund A mein National Bank For Agriculture And Rural Development 5.8%, Power Finance Corporation Ltd 5.2% aur Rural Electrification Corporation Ltd 4.9% hai. Fund B mein HDFC Bank Ltd 8.2%, ICICI Bank Ltd 6.9% aur Infosys Ltd 5.5% hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@14.6% 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, Fund A ka 5Y return 12.09% hai, jo ki Fund B ka 12.31% se kam hai. Haan, Fund A ka 3Y return 14.51% hai, jo ki Fund B ka 14.63% se kam hai. Lekin, long run mein Fund B ka potential Fund A se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin yeh fund aapke liye accha hai. Fund B ka volatility 14.27 hai, jo ki Fund A ka 3 se zyada hai. Lekin, Fund B ka Sharpe ratio 0.57 hai, jo ki Fund A ka 2.67 se kam hai. Haan, Fund B ka potential Fund A se zyada hai.
Q3: Which fund is more cost‑effective?
Sach ye hai, Fund A ka expense ratio 0.71% hai, jo ki Fund B ka 0.96% se kam hai. Haan, Fund A ka cost-effectiveness Fund B se zyada 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