SBI Debt Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.93%
Agar aapko paise ki suraksha aur aay chahiye, toh aapko iske liye do fund dhang se chunne hain. Sabse pehle, dekho Fund A aur Fund B ka category kya hai. Fund A ek debt fund hai, jabki Fund B ek liquid fund hai. Aaj hum iske liye Fund A aur Fund B ke beech ka tulna karenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.13% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 3.91 |
| 1 Year Return (%) | 4.95% | 6.17% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 50.63% |
| 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) | Cheenu Gupta (3.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | NIFTY Liquid Index |
| Top 3 Holdings | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 150% | 215% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono mein se ek fund aapke liye better hai. Long-term wealth creation ke liye, hum 3Y return, expense ratio, aur riskometer ke baare mein dekhte hain. Fund A ka 3Y return 14.51% hai, jabki Fund B ka 6.93% hai. Lekin, expense ratio mein Fund B kam hai, 0.13% hain. Riskometer mein bhi, Fund B kam hai, low hai. Iske baad, hum Fund A ko better fund maante 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, hum dono fund mein dekhte hain. Fund B ka consistency aur return stability zyada hai. 10+ years ke liye SIP, Fund B aapke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke baare mein, Fund B bahut kam hai. Sharpe ratio mein bhi, Fund B kam hai, 3.91 hai. Expense ratio mein bhi, Fund B kam hai, 0.13% hain. Isliye, Fund B aapke liye better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke baare mein, hum dekhte hain. Fund A ka asset allocation ek debt fund ke hisaab se theek hai. Lekin, top holdings concentration mein, 3 holdings kam hain. Fund B ka asset allocation bhi theek hai, aur top holdings concentration mein bhi kam hai. Iske liye, Fund B aapke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Haan, Fund A ka 5Y return 12.09% hai, jabki Fund B ka 6.11% hai. Isliye, Fund A aapke liye better returns karta hai long-run mein.
Q2: Is the higher risk fund worth it?
No, Fund A ka riskometer moderate hai, aur volatility 3 hai. Iske liye, Fund B aapke liye better hai. Sharpe ratio mein bhi, Fund B kam hai, 3.91 hai. Isliye, Fund A ka higher risk fund worth hai nahi.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.13% hai, jabki Fund A ka 0.71% hai. Isliye, Fund B aapke liye 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