SBI Debt Fund vs HDFC Infra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
7.4%
Dekho, aaj hum do fundon ka comparison karenge, SBI Debt Fund aur HDFC Infra Fund. Ye donon fund alag-alag categories mein aate hain. SBI Debt Fund ek debt fund hai jabki HDFC Infra Fund ek thematic fund hai. Aaj hum kya seekhenge, fundon ke beech mein kya difference hai aur kis fund mein invest karna chahiye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHDFC Infra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Debt | Thematic |
| NAV (₹) | 13.73 | 33.77 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.19 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.5% |
| Riskometer | Moderate | Moderate |
| Volatility | 3 | 14.88 |
| Sharpe Ratio | 2.67 | 0.06 |
| 1 Year Return (%) | 4.95% | 6.36% |
| 3 Year Return (%) | 14.51% | 7.4% |
| 5 Year Return (%) | 12.09% | 6.49% |
| Since Launch (%) | N/A | 6.63% |
| 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) | Roshi Jain (3.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Infrastructure 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. (5.8%), ICICI Bank Ltd. (5.2%), Larsen & Toubro Ltd. (4.9%) |
| 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% | 35% |
🤖 AI Verdict – Which is Better?
Haan, yeh fund dono moderate riskometer ke saath aate hain lekin yeh fund dono mein alag-alag return milta hai. Fund B ka 3Y return 7.4% hai jabki Fund A ka 3Y return 14.51% hai. Dekho, expense ratio bhi Fund A ka kam hai 0.71% versus Fund B ka 0.5%. Isliye, yeh verdict hai ki Fund A betar hai 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 HDFC Infra Fund?
- Expense ratio: 0.5%
- 3Y return: 7.4%
- AUM: 2.19 Lac Cr
- Sharpe Ratio: 0.06
📈 SIP Suitability
Chaliye, SIP ke liye fund dono suitable hain lekin Fund A ka consistency aur return stability bahut achha hai. Fund A ka 1Y return 4.95% hai jabki Fund B ka 1Y return 6.36% hai. Lekin, Fund A ka 3Y return 14.51% hai jabki Fund B ka 3Y return 7.4% hai. Isliye, Fund A SIP ke liye betar hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se Fund A chota risk hai lekin Fund B ka Sharpe ratio bahut kam hai. Fund A ka expense ratio 0.71% hai jabki Fund B ka expense ratio 0.5% hai. Isliye, Fund A mein better risk-adjusted returns milta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se Fund A mein debenture, SDL, T-Bills, aur GOI Sec shamil hain. Fund B mein equity aur T-Bills shamil hain. Fund A ka asset allocation bahut diversified hai lekin Fund B ka asset allocation concentrated hai. Isliye, Fund A mein portfolio diversification kiya gaya hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
HDFC Infra Fund
₹890195.03
@7.4% 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 jabki Fund B ka 5Y return 6.49% hai. Isliye, Fund A long-term mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 14.88 hai jabki Fund A ka volatility 3 hai. Lekin, Fund B ka Sharpe ratio bahut kam hai. Isliye, Fund B ka higher risk nahi worth hai.
Q3: Which fund is more cost-effective?
Chaliye, Fund A ka expense ratio 0.71% hai jabki Fund B ka expense ratio 0.5% hai. Isliye, 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