SBI Debt Fund vs HSBC Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.7%
Dekho, aaj humein do alag-alag investment options ke beech mein compare karne ke liye aaye hain - SBI Debt Fund aur HSBC Mutual Fund Large Cap Fund. Ye dono fund Indian investors ke liye acche options hain. Chaliye, aaj humein jaante hain ki kis fund mein invest karna seekhenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHSBC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.97 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.46 |
| Sharpe Ratio | 2.67 | 0.72 |
| 1 Year Return (%) | 4.95% | -4.02% |
| 3 Year Return (%) | 14.51% | 14.7% |
| 5 Year Return (%) | 12.09% | 12.03% |
| Since Launch (%) | N/A | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Cheenu Gupta (3.5 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% | 18% |
🤖 AI Verdict – Which is Better?
Haan, humein apne verdict ko batana hai. Dekho, fund A ki 3Y return 14.51% hai, jabki fund B ki 3Y return 14.7% hai. Lekin expense ratio ka sawal hai. Fund A ka expense ratio 0.71% hai, jabki fund B ka expense ratio 0.52% hai. Riskometer ka bhi sawal hai. Fund A ka riskometer Moderate hai, jabki fund B ka riskometer Very High hai. Sach ye hai ki fund A bahut accha fund 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 HSBC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.97 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
Dekho, SIP (Systematic Investment Plan) ke liye fund A aur fund B dono achhe hain. Lekin, fund A ki consistency aur return stability fund B se acchi hai. Fund A ki 1Y return 4.95% hai, jabki fund B ki 1Y return -4.02% hai. Chaliye, fund A ki consistency aur return stability ke liye humein iska chayan karna chahiye.
⚠️ Risk & Cost Analysis
Haan, riskometer, volatility, Sharpe ratio, expense ratio sabhi ka sawal hai. Dekho, fund A ka riskometer Moderate hai, jabki fund B ka riskometer Very High hai. Volatility ka sawal hai, to fund A ka volatility 3 hai, jabki fund B ka volatility 11.46 hai. Sharpe ratio ka sawal hai, to fund A ka Sharpe ratio 2.67 hai, jabki fund B ka Sharpe ratio 0.72 hai. Expense ratio ka sawal hai, to fund B ka expense ratio fund A ke expense ratio se kam hai. Sach ye hai ki fund A bahut accha fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Dekho, asset allocation aur top holdings concentration ka sawal hai. Fund A ka asset allocation Debenture 40%, SDL 30%, T-Bills 20%, GOI Sec 10%. Fund B ka asset allocation Equity 96%, T-Bills 4%. Top holdings concentration ka sawal hai, to fund A ka top holdings concentration fund B se kam hai. Chaliye, fund A ki asset allocation aur top holdings concentration ke liye humein iska chayan karna chahiye.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
HSBC Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 ki fund A ki 5Y return 12.09% hai, jabki fund B ki 5Y return 12.03% hai. Isliye, fund A long-term wealth creation ke liye accha fund hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ki volatility 11.46 hai, jabki fund A ki volatility 3 hai. Isliye, fund B risk-adjusted returns ke liye accha fund hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki fund B ka expense ratio fund A ke expense ratio se kam 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