SBI Debt Fund vs Groww 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
6.93%
Aaj hum do mutual funds ke beech me comparison karne jaa rahe hain. Fund A SBI Debt Fund hai, jabki Fund B Groww Mutual Fund Liquid Fund hai. Aap jante hain ki kya Fund A aur Fund B ke beech me kuch alag hain aur aapko iske liye kya khayal karna hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 3.91 |
| 1 Year Return (%) | 4.95% | 6.17% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Chaliye dekhte hain ki Fund B Groww Mutual Fund Liquid Fund long-term wealth creation ke liye behtar hai. Iska karan hai 3Y return aur expense ratio ka. Fund B ka 3Y return 6.93% hai, jo ki Fund A ka 14.51% se kam hai. Iske alawa, Fund B ka expense ratio 0.12% hai, jo ki Fund A ka 0.71% se kam hai. Haan, Fund A ka 3Y return thoda jyada hai, lekin expense ratio ka fund B ka kam hai. Isliye, Fund B Groww Mutual Fund Liquid Fund long-term wealth creation ke liye behtar 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Kya aapko pata hai ki monthly SIP ke liye kis fund best hai? Chaliye dekhte hain ki Fund B Groww Mutual Fund Liquid Fund monthly SIP ke liye accha hai. Iska karan hai consistency aur return stability ka. Fund B ka 1Y return 6.17% hai, jo ki Fund A ka 4.95% se jyada hai. Iske alawa, Fund B ka 3Y return 6.93% hai, jo ki Fund A ka 14.51% se kam hai. Isliye, Fund B monthly SIP ke liye accha hai.
⚠️ Risk & Cost Analysis
Kya aapko pata hai ki riskometer, volatility, Sharpe ratio, aur expense ratio ka kya hai? Chaliye dekhte hain ki Fund B Groww Mutual Fund Liquid Fund behtar risk-adjusted returns offer karta hai. Fund B ka riskometer low hai, jo ki Fund A ka moderate hai. Iske alawa, Fund B ka volatility 0.11 hai, jo ki Fund A ka 3 se kam hai. Sharpe ratio ka Fund B 3.91 hai, jo ki Fund A ka 2.67 se jyada hai. Iske alawa, Fund B ka expense ratio 0.12% hai, jo ki Fund A ka 0.71% se kam hai. Isliye, Fund B behtar risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Kya aapko pata hai ki asset allocation aur top holdings concentration ka kya hai? Chaliye dekhte hain ki Fund B Groww Mutual Fund Liquid Fund behtar portfolio diversification offer karta hai. Fund B ka asset allocation T-Bills, CD, CP, aur cash mein hai, jo ki Fund A ka debenture, SDL, T-Bills, aur GOI Sec mein hai. Iske alawa, Fund B ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai, jo ki Fund A ka National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd., aur Rural Electrification Corporation Ltd. mein hai. Isliye, Fund B behtar portfolio diversification offer karta hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Fund A ka 5Y return 12.09% hai, jo ki Fund B ka 6.11% se kam hai. Isliye, Fund A long run ke liye behtar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka 3Y return jyada hai, lekin expense ratio ka Fund A ka kam hai. Iske alawa, Fund A ka riskometer moderate hai, jo ki Fund B ka low hai. Isliye, Fund A higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jo ki 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