SBI Debt Fund vs Franklin Templeton 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%
Aaj hum do fundon ka comparison karne ja rahe hain, SBI Debt Fund aur Franklin Templeton Large Cap Fund. Ye donon fund different categories se hain, debt aur large cap. Aapko ye jaanna hoga ki in donon fundon mein kya differences hain aur kitna achha fund hoga long-term wealth creation ke liye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BFranklin Templeton Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Franklin Templeton |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.11 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.76 |
| Sharpe Ratio | 2.67 | 0.64 |
| 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) | Anand Radhakrishnan (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% | 31% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye hum 3Y return, expense ratio, aur risk ka comparison karenge. Fund A, SBI Debt Fund, 3Y return mein 14.51% raha hai, lekin expense ratio 0.71% hai. Fund B, Franklin Templeton Large Cap Fund, 3Y return mein 14.7% raha hai, lekin expense ratio 0.52% hai. Riskometer ke hisab se, Fund B zyada risk wala fund hai. Haan, hum Fund B ko better fund maante hain long-term wealth creation ke liye.
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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.11 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Aap monthly SIP ke liye 10+ years ke liye in donon fundon ka comparison karenge. Consistency aur return stability ke hisab se, hum Fund A ko better fund maante hain. Fund A ka 1Y return 4.95% hai, jiska mean return hai, aur expense ratio 0.71% hai. Fund B ka 1Y return -4.02% raha hai, lekin expense ratio 0.52% hai. Haan, Fund A SIP ke liye zyada suitable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se hum donon fundon ka comparison karenge. Fund A ka riskometer moderate hai, volatility 3 hai, aur Sharpe ratio 2.67 hai. Fund B ka riskometer very high hai, volatility 12.76 hai, aur Sharpe ratio 0.64 hai. Expense ratio ke hisab se, Fund B 0.52% hai. Haan, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Aap asset allocation aur top holdings concentration ke hisab se donon fundon ka comparison karenge. Fund A ka asset allocation hain debentures 40%, SDL 30%, T-Bills 20%, aur GOI Sec 10%. Top holdings concentration ke hisab se, Fund A ka top 3 holdings hain National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd., aur Rural Electrification Corporation Ltd. Fund B ka asset allocation hain equity 96% aur T-Bills 4%. Top holdings concentration ke hisab se, Fund B ka top 3 holdings hain HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. Haan, Fund A ka asset allocation aur top holdings concentration zyada diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Franklin Templeton 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Sach ye hai ki Fund B ka 5Y return 12.03% hai, jiska mean return hai, aur 3Y return 14.7% hai. Haan, Fund B long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke hisab se, Fund B zyada risk wala fund hai. Haan, Fund A better risk-adjusted returns offer karta hai. Lekin, yadi aap high-risk investments mein interest rakhte hain, to Fund B zyada suitable hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisab se, Fund B 0.52% hai, jiska expense ratio kam hai. Haan, Fund B 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