SBI Debt Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
11.02%
Dekho, aap sabhi ke paas do moolbhoot fund hain - SBI Debt Fund aur HDFC Top 100 Fund. Ye donka aapke investment ke liye kya chunav hain, yahaan se jaanenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 14.66 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.31% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.05 |
| Sharpe Ratio | 2.67 | 0.35 |
| 1 Year Return (%) | 4.95% | -2.86% |
| 3 Year Return (%) | 14.51% | 11.02% |
| 5 Year Return (%) | 12.09% | 10.33% |
| Since Launch (%) | N/A | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Rahul Baijal; Roshi Jain (4.1 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, agar aap long-term wealth creation chahte hain, to SBI Debt Fund ek acha chunav hai. Iska 3Y return 14.51% hai, expense ratio 0.71%, aur riskometer moderate hai. HDFC Top 100 Fund ka 3Y return 11.02% hai, lekin expense ratio 0.31% hai aur riskometer very high 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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Lekin, agar aap monthly SIP ke liye kuch chunne chahte hain, to SBI Debt Fund ek achha chunav hai. Iska 3Y return consistent hai aur return stability ke liye iska sharpe ratio 2.67 hai. HDFC Top 100 Fund ka 1Y return -2.86% hai, jo ke aapke SIP ke liye nahi hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye HDFC Top 100 Fund aur bahut riski hai, lekin sharpe ratio ke liye iska expense ratio kam hai. Iske alawa, SBI Debt Fund ka expense ratio 0.71% hai, jo ke HDFC Top 100 Fund ka 0.31% se adhik hai.
📊 Portfolio Diversification
SBI Debt Fund ka asset allocation bahut diversify hai, ismein debentures, SDL, T-Bills, aur GOI Sec shaamil hain. HDFC Top 100 Fund ka asset allocation ekdum equity mein hai, ismein HDFC Bank, ICICI Bank, aur Reliance Industries ki shares hai. Top holdings concentration ke liye SBI Debt Fund ek achha chunav hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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?
SBI Debt Fund ka 5Y return 12.09% hai, HDFC Top 100 Fund ka 10.33% hai. Iske alawa, SBI Debt Fund ka 3Y return 14.51% hai, HDFC Top 100 Fund ka 11.02% hai. To, SBI Debt Fund duniya bhar mein better return deta hai.
Q2: Is the higher risk fund worth it?
HDFC Top 100 Fund ka riskometer very high hai aur volatility 13.05 hai. SBI Debt Fund ka riskometer moderate hai aur volatility 3 hai. Sharpe ratio ke liye HDFC Top 100 Fund ka 0.35 hai, lekin SBI Debt Fund ka 2.67 hai. To, SBI Debt Fund ka risk-adjusted return better hai.
Q3: Which fund is more cost-effective?
HDFC Top 100 Fund ka expense ratio 0.31% hai, SBI Debt Fund ka 0.71% hai. Iske alawa, HDFC Top 100 Fund ka exit load N/A hai, lekin SBI Debt Fund ka bhi N/A hai. To, HDFC Top 100 Fund adhik 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