SBI Debt Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
16.22%
Ek baar phir hum jaane chahte hain ki kis tarah se hum apne paisa ki suraksha aur growth kar sakte hain. Aaj hum do fundon ke beech mein comparison karenge: SBI Debt Fund aur HDFC ELSS Tax Saver Fund. Dekho, kya ye do fund ek dusre se alag hain ya kuch jaise hain?
[VERDICT]| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Debt | ELSS |
| NAV (₹) | 13.73 | 1325.00 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.24% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.3 |
| Sharpe Ratio | 2.67 | 0.73 |
| 1 Year Return (%) | 4.95% | -5.24% |
| 3 Year Return (%) | 14.51% | 16.22% |
| 5 Year Return (%) | 12.09% | 16.62% |
| Since Launch (%) | N/A | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 150% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, HDFC ELSS Tax Saver Fund ek high-risk fund hai, lekin yeh 3Y return mein 16.22% return dete hain. Lekin expense ratio 1.24% hai, jisse yeh Fund A ki tulna mein kam jata hai. Chaliye, hum dekhenge ki Fund A kitna achha hua hai. Aisi situation mein, Fund A better hoga.
[SIP_SUITABILITY]Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, hum dekhenge ki kis fund mein consistency aur return stability hai. Fund A ka 1Y return 4.95% hai, jabki 3Y return 14.51% hai. Lekin HDFC ELSS Tax Saver Fund ka 1Y return -5.24% hai, jisse yeh kam stable hai. Haan, Fund A better hai SIP ke liye.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisaab se, hum dekhenge ki kis fund mein better risk-adjusted returns hain. Fund A ka riskometer moderate hai, volatility 3 hai, aur Sharpe ratio 2.67 hai. HDFC ELSS Tax Saver Fund ka riskometer very high hai, volatility 13.3 hai, aur Sharpe ratio 0.73 hai. Lekin expense ratio ke hisaab se, Fund A kamjor hai. Haan, Fund A better hai risk-adjusted returns ke liye.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum dekhenge ki kis fund mein better diversification hai. Fund A ka asset allocation debt mein hai, jisme debenture 40% hai. HDFC ELSS Tax Saver Fund ka asset allocation equity mein hai, jisme HDFC Bank Ltd. aur ICICI Bank Ltd. 8.23% aur 8.93% hai. Haan, Fund A better hai asset allocation ke liye.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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?
Hum dekhenge ki Fund A ka 5Y return 12.09% hai, aur HDFC ELSS Tax Saver Fund ka 5Y return 16.62% hai. Haan, HDFC ELSS Tax Saver Fund better hai long-run returns ke liye.
Q2: Is the higher risk fund worth it?
Hum dekhenge ki HDFC ELSS Tax Saver Fund ka volatility 13.3 hai, aur Sharpe ratio 0.73 hai. Haan, yeh fund kam stable hai aur yeh risk-adjusted returns mein kam hai. Haan, is fund ka higher risk kam jata hai.
Q3: Which fund is more cost-effective?
Hum dekhenge ki Fund A ka expense ratio 0.71% hai, jabki HDFC ELSS Tax Saver Fund ka expense ratio 1.24% hai. Haan, Fund A 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