SBI Debt Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
15.78%
Dekho, aaj hum do fundon ke beech me comparison karne ja rahe hain - SBI Debt Fund aur HDFC Small Cap Fund. Ye dono fund Indian investors ke liye acche hain, lekin kya dono fund long-term wealth creation ke liye acche hain? Isse janne ke liye hum 3Y return, expense ratio aur riskometer ka comparision karenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Debt | Small Cap |
| NAV (₹) | 13.73 | 152.64 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.73% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 16.9 |
| Sharpe Ratio | 2.67 | 0.55 |
| 1 Year Return (%) | 4.95% | 0.2% |
| 3 Year Return (%) | 14.51% | 15.78% |
| 5 Year Return (%) | 12.09% | 18.08% |
| Since Launch (%) | N/A | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Smallcap 250 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%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 90.45% |
| Portfolio Turnover | 150% | 6% |
🤖 AI Verdict – Which is Better?
Sach ye hai, HDFC Small Cap Fund very high riskometer ka hai, lekin 5Y return me 18.08% kiya hai. Iske visheys, expense ratio 0.73% hai, jo moderate hain. Haan, SBI Debt Fund moderate riskometer ka hai, lekin 5Y return me 12.09% kiya hai. Iske aadhar par, hum dekhege ki HDFC Small Cap Fund long-term wealth creation ke liye better 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 HDFC Small Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 15.78%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
SIP ke lie ek monthly SIP kiya jaata hai. Dekho, HDFC Small Cap Fund ki 3Y return 15.78% hai, lekin SBI Debt Fund ki 3Y return 14.51% hai. Chaliye, hum SIP suitabiilty ke liye 10+ year ke liye monthly SIP kiya jaata hai. Iske aadhar par, hum dekhege ki HDFC Small Cap Fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Volatility aur Sharpe ratio se hum dekhege ki koi fund better hai. Dekho, HDFC Small Cap Fund ki volatility 16.9 hai, jo bahut high hai. Lekin Sharpe ratio 0.55 hai, jo moderate hai. Iske visheys, SBI Debt Fund ki volatility 3 hai, jo moderate hai aur Sharpe ratio 2.67 hai, jo high hai. Iske aadhar par, hum dekhege ki HDFC Small Cap Fund ki volatility bahut high hai, lekin SBI Debt Fund ki risk-adjusted returns better hai.
📊 Portfolio Diversification
Debenture, SDL, T-Bills aur GOI Sec ki asset allocation se hum dekhege ki koi fund better hai. Dekho, SBI Debt Fund ki asset allocation 40% Debenture, 30% SDL, 20% T-Bills aur 10% GOI Sec hai. Iske visheys, HDFC Small Cap Fund ki asset allocation 90.45% Equity hai. Iske aadhar par, hum dekhege ki SBI Debt Fund portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
HDFC Small Cap Fund
₹1462201.27
@15.8% 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?
HDFC Small Cap Fund ki 5Y return 18.08% hai, jo bahut achha hai. Iske visheys, SBI Debt Fund ki 5Y return 12.09% hai. Isliye, HDFC Small Cap Fund long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
HDFC Small Cap Fund ki volatility bahut high hai, lekin Sharpe ratio moderate hai. Iske visheys, SBI Debt Fund ki volatility moderate hai aur Sharpe ratio high hai. Isliye, HDFC Small Cap Fund ki higher risk fund worth hai, lekin SBI Debt Fund ki risk-adjusted returns better hai.
Q3: Which fund is more cost-effective?
HDFC Small Cap Fund ki expense ratio 0.73% hai, jo moderate hai. Iske visheys, SBI Debt Fund ki expense ratio 0.71% hai, jo bahut accha hai. Isliye, SBI Debt Fund 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