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%
Ab humein do aam bade mutual fund fund dekhne hain - SBI Debt Fund aur HDFC Top 100 Fund. Ye donon fund alag-alag categories mein aate hain. SBI Debt Fund debt category mein hai, jabki HDFC Top 100 Fund large cap category mein hai. Hum aapko yeh dikhayenge ki ye donon fund kis tarah se compare kiye ja sakte hain aur kis fund ki aapko long-term wealth creation mein madad karegi.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 11.21 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.06 |
| 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 | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 25 June 2014 |
| 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?
Haan, humein dekhiye ki long-term wealth creation ke liye kis fund better hai. SBI Debt Fund ka 3Y return 14.51% hai, jo HDFC Top 100 Fund ke 11.02% se adhik hai. Iske alawa, SBI Debt Fund ki expense ratio 0.71% hai, jo 1.52% hai HDFC Top 100 Fund ke expense ratio se kam. Dekhiye, SBI Debt Fund ka riskometer moderate hai, jabki HDFC Top 100 Fund ka riskometer very high hai. Isliye, hum SBI Debt Fund ko long-term wealth creation ke liye better fund samjhte hain.
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: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Ab humen yeh pata karna hai ki monthly SIP ke liye kis fund better hai. SBI Debt Fund ka 3Y return consistent hai, aur iska expense ratio kam hai. HDFC Top 100 Fund ka 1Y return negative hai, lekin 5Y return kaam hai. Isliye, SBI Debt Fund monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Ab humen yeh pata karna hai ki riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se kis fund better hai. SBI Debt Fund ka riskometer moderate hai, aur volatility 3 hai. HDFC Top 100 Fund ka riskometer very high hai, aur volatility 13.06 hai. Sharpe ratio ke liye, SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki HDFC Top 100 Fund ka Sharpe ratio 0.35 hai. Iske alawa, SBI Debt Fund ka expense ratio 0.71% hai, jo HDFC Top 100 Fund ke 1.52% se kam hai. Isliye, SBI Debt Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Ab humen yeh pata karna hai ki asset allocation aur top holdings concentration ke hisab se kis fund better hai. SBI Debt Fund ka asset allocation debt instruments mein hai, jo HDFC Top 100 Fund ke asset allocation large cap mein hai. HDFC Top 100 Fund ka top holdings concentration 8.5% HDFC Bank Ltd. mein hai, jo SBI Debt Fund ke top holdings concentration 5.8% National Bank For Agriculture And Rural Development mein se kam hai. Isliye, SBI Debt Fund better portfolio diversification offer karta 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, jo HDFC Top 100 Fund ke 10.33% se adhik hai. Isliye, SBI Debt Fund aapko long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
HDFC Top 100 Fund ka riskometer very high hai, lekin SBI Debt Fund ka riskometer moderate hai. HDFC Top 100 Fund ka volatility 13.06 hai, jo SBI Debt Fund ke volatility 3 se kam hai. Iske alawa, HDFC Top 100 Fund ka Sharpe ratio 0.35 hai, jo SBI Debt Fund ka Sharpe ratio 2.67 se kam hai. Isliye, HDFC Top 100 Fund ka higher risk fund value nahi hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jo HDFC Top 100 Fund ke 1.52% se kam hai. Isliye, SBI Debt Fund aapko cost-effective fund 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