SBI Debt Fund vs ICICI Prudential Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.2%
Today, hum aapko do fundon ke beech ka comparison karne ja raha hoon - SBI Debt Fund aur ICICI Prudential Balanced Advantage Fund. Ye dono fund hain, lekin unke categories aur investment styles bahut alag hain. Dekho, aapko pata chalega ki aapko kis fund mein invest karna chahiye. Chaliye, hum shuru karte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BICICI Prudential Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Debt | Hybrid |
| NAV (₹) | 13.73 | 84.60 |
| AUM (₹ Cr) | 8.34 Lac Cr | 7.06 Lac Cr |
| Expense Ratio (%) | 0.71% | 1% |
| Riskometer | Moderate | Moderately High |
| Volatility | 3 | 9.34 |
| Sharpe Ratio | 2.67 | 0.61 |
| 1 Year Return (%) | 4.95% | 4.35% |
| 3 Year Return (%) | 14.51% | 12.2% |
| 5 Year Return (%) | 12.09% | 11.25% |
| Since Launch (%) | N/A | 12.54% |
| 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) | Akhil Kakkar; Ihab Dalwai; Manish Banthia; Rajat Chandak; Sharmila D'Silva; Sri Sharma (13.4 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 50 Hybrid Composite Debt 65:35 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%) | TVS Motor Company Ltd. (5.25%), ICICI Bank Ltd. (3.97%), HDFC Bank Ltd. (3.65%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 68.12% | CD: 4.05% | REITs: 3.85% | SDL: 3.68% | GOI Sec: 3.07% | Debenture: 2.37% | T-Bills: 2.0% | NCD: 1.59% | Sec. Debt: 0.91% | Debt: 0.49% | InvITs: 0.32% | CP: 0.28% | ZCB: 0.23% | GOI FRB: 0.1% | Pref. Shares: 0.1% | ID: -0.59% | Futures: -3.84% |
| Portfolio Turnover | 150% | 451% |
🤖 AI Verdict – Which is Better?
Sach ye hai, agar aap long-term wealth creation ke liye invest karna chahte hain, to SBI Debt Fund better option hai. Iska 3Y return 14.51% hai, jo ICICI Prudential Balanced Advantage Fund ke 12.2% se zyada hai. Expense ratio bhi kam hai, 0.71% compare to 1%. Riskometer bhi moderate hai, jo aapko investment ke liye achha lag sakta hai. Haan, ICICI Prudential Balanced Advantage Fund moderate risk hai, lekin expense ratio aur 3Y return ke liye SBI Debt Fund bhi 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 ICICI Prudential Balanced Advantage Fund?
- Expense ratio: 1%
- 3Y return: 12.2%
- AUM: 7.06 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
SIP ke liye, SBI Debt Fund better hai. Iska 3Y return aur 5Y return ka aavshyakta hai, jiska 10+ years ke liye SIP invest karna thik hoga. ICICI Prudential Balanced Advantage Fund ka 1Y return aur 3Y return ka aavshyakta hai, lekin iska 5Y return kam hai. Dekho, SIP ke liye aap SBI Debt Fund par invest kar sakte hain.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, ICICI Prudential Balanced Advantage Fund moderate high hai, lekin expense ratio bhi kam hai. Sharpe ratio bhi kam hai, 0.61 compare to SBI Debt Fund ka 2.67. Dekho, SBI Debt Fund risk-adjusted returns ka better option hai. Expense ratio bhi kam hai, 0.71% compare to ICICI Prudential Balanced Advantage Fund ka 1%.
📊 Portfolio Diversification
Asset allocation ke liye, ICICI Prudential Balanced Advantage Fund aur SBI Debt Fund mein bahut faaraq hai. ICICI Prudential Balanced Advantage Fund mein equity 68.12% hai, jiska 10% aise sectors mein investment hai, jaise TVS Motor Company Ltd. aur ICICI Bank Ltd. SBI Debt Fund mein asset allocation debt mein hai, jiska 50% aise sectors mein investment hai, jaise National Bank For Agriculture And Rural Development aur Power Finance Corporation Ltd. Dekho, ICICI Prudential Balanced Advantage Fund mein sector risk zyada hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
ICICI Prudential Balanced Advantage Fund
₹1175628.80
@12.2% 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 ICICI Prudential Balanced Advantage Fund ka 11.25% se zyada hai.
Q2: Is the higher risk fund worth it?
ICICI Prudential Balanced Advantage Fund ka volatility 9.34 hai, jiska Sharpe ratio 0.61 hai. SBI Debt Fund ka volatility 3 hai, jiska Sharpe ratio 2.67 hai. Dekho, SBI Debt Fund risk-adjusted returns ka better option hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jo ICICI Prudential Balanced Advantage Fund ka 1% se kam 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