SBI Debt Fund vs Groww 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%
Aaj hum 2 alag-alag funds ke beech ki pehchaan karenge - SBI Debt Fund aur Groww Mutual Fund Large Cap Fund. Ye dono funds Indian investors ke liye bahut hi uchit hain, lekin humein inka comparison karna hoga taki aapko pata chale ki kis fund ko 10+ saal ke liye SIP karna chahiye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BGroww Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.54 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.05 |
| Sharpe Ratio | 2.67 | 0.63 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A (SBI Debt Fund) 3 saal ke return mein 14.51% ka return deta hai, jo Fund B (Groww Mutual Fund Large Cap Fund) ke 14.7% se kam hai. Lekin yeha hi yeh fund ka expense ratio 0.71% hai, jo Fund B ka 0.52% se adhik hai. Isliye, hum Fund B ko long-term wealth creation ke liye better fund manaenge.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider Groww Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.54 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
10+ saal ke SIP ke liye, hum Fund B (Groww Mutual Fund Large Cap Fund) ka vote karenge. Yeh fund 96% asset allocation ke sath 96% equity investment karta hai, jo Fund A ke 40% equity investment se adhik hai. Iske alawa, yeh fund 4% T-Bills investment karta hai, jo Fund A ke 20% T-Bills investment se kam hai. Isliye, Fund B ka consistency aur return stability fund A ke compare mein adhik hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se, Fund A (SBI Debt Fund) moderate risk ka fund hai, jabki Fund B (Groww Mutual Fund Large Cap Fund) very high risk ka fund hai. Lekin sharpe ratio ke hisaab se, Fund A ka sharpe ratio 2.67 hai, jo Fund B ka 0.63 se adhik hai. Iske alawa, expense ratio ke hisaab se, Fund B ka expense ratio 0.52% hai, jo Fund A ka 0.71% se kam hai. Isliye, Fund A risk-adjusted returns mein better fund hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund A (SBI Debt Fund) mein 40% debentures, 30% SDL, 20% T-Bills, aur 10% GOI Sec ka investment hai. Iske alawa, yeh fund mein National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) jaise top 3 holdings hai. Fund B (Groww Mutual Fund Large Cap Fund) mein 96% equity aur 4% T-Bills ka investment hai, aur yeh fund mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) jaise top 3 holdings hai. Isliye, Fund A ka asset allocation Fund B ke compare mein adhik diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Groww 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Sach ye hai, Fund A ke 5 saal ke return 12.09% hai, jo Fund B ke 12.03% se adhik hai. Isliye, Fund A long-run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka 96% equity investment aur sharpe ratio 0.63 hai, jo Fund A ke compare mein adhik hai. Iske alawa, Fund B ka expense ratio 0.52% hai, jo Fund A ka 0.71% se kam hai. Isliye, Fund B higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.52% hai, jo Fund A ka 0.71% se kam hai. Isliye, Fund B 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