SBI Debt Fund vs ICICI Prudential Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
15.44%
Aaj hum do mutual funds ke beech ka comparison karne ja rahe hain – SBI Debt Fund aur ICICI Prudential Bluechip Fund. Ye donon fund alag-alag category mein aate hain. SBI Debt Fund debt category mein aata hai, jabki ICICI Prudential Bluechip Fund large cap category mein aata hai. Aaj hum iske beech ki comparison karenge aur aapko bataayenge ki kis fund mein investment karna hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BICICI Prudential Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 83.91 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.81 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.52 |
| Sharpe Ratio | 2.67 | 0.71 |
| 1 Year Return (%) | 4.95% | 24.48% |
| 3 Year Return (%) | 14.51% | 15.44% |
| 5 Year Return (%) | 12.09% | 12.65% |
| Since Launch (%) | N/A | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Anish Tawakley; Vaibhav Dusad (6.5 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% | 28% |
🤖 AI Verdict – Which is Better?
Sabse pehle hum 3Y return, expense ratio aur risk ke aadhar par fund ka verdict karne ja rahe hain. SBI Debt Fund 3Y mein 14.51% return deta hai, jabki ICICI Prudential Bluechip Fund 15.44% return deta hai. Lekin expense ratio ke mukabla, SBI Debt Fund 0.71% expense ratio ke sath aata hai, jabki ICICI Prudential Bluechip Fund 0.52% expense ratio ke sath aata hai. Riskometer ke mukabla, ICICI Prudential Bluechip Fund very high riskometer ke sath aata hai, jabki SBI Debt Fund moderate riskometer ke sath aata hai. Haan, hum sochne ja rahe hain ki ICICI Prudential Bluechip Fund aagay ka path 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 Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 15.44%
- AUM: 5.81 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
Haan, aapko pata hai ki SIP (Systematic Investment Plan) karna kaisa hai. Ab hum iske beech ka comparison karenge. SBI Debt Fund 3Y mein 14.51% return deta hai, jabki ICICI Prudential Bluechip Fund 15.44% return deta hai. Lekin kya yeh return stable hain? Haan, SBI Debt Fund volatility 3 ke sath aata hai, jabki ICICI Prudential Bluechip Fund volatility 12.52 ke sath aata hai. Chaliye, hum sochne ja rahe hain ki kis fund mein SIP karna hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ka comparison karna hoga. ICICI Prudential Bluechip Fund very high riskometer ke sath aata hai, jabki SBI Debt Fund moderate riskometer ke sath aata hai. Volatility ke mukabla, ICICI Prudential Bluechip Fund 12.52 ke sath aata hai, jabki SBI Debt Fund 3 ke sath aata hai. Sharpe ratio ke mukabla, SBI Debt Fund 2.67 ke sath aata hai, jabki ICICI Prudential Bluechip Fund 0.71 ke sath aata hai. Haan, SBI Debt Fund aagay ka path hai.
📊 Portfolio Diversification
Asset allocation aur top holdings ka comparison karna hoga. SBI Debt Fund apne asset allocation mein 40% debenture, 30% SDL, 20% T-Bills aur 10% GOI Sec ke sath aata hai. ICICI Prudential Bluechip Fund apne asset allocation mein 96% equity aur 4% T-Bills ke sath aata hai. Top holdings ke mukabla, SBI Debt Fund apne top 3 holdings mein National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%) aur Rural Electrification Corporation Ltd. (4.9%) ke sath aata hai. ICICI Prudential Bluechip Fund apne top 3 holdings mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%) aur Reliance Industries Ltd. (6.9%) ke sath aata hai. Haan, SBI Debt Fund more diversified fund hai.
Q1: Which fund gives better returns in the long run?
SBI Debt Fund 5Y mein 12.09% return deta hai, jabki ICICI Prudential Bluechip Fund 12.65% return deta hai. Haan, ICICI Prudential Bluechip Fund aagay ka path hai.
Q2: Is the higher risk fund worth it?
Haan, ICICI Prudential Bluechip Fund very high riskometer ke sath aata hai, lekin Sharpe ratio 0.71 ke sath aata hai. SBI Debt Fund moderate riskometer ke sath aata hai, lekin Sharpe ratio 2.67 ke sath aata hai. Haan, SBI Debt Fund aagay ka path hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund expense ratio 0.71% ke sath aata hai, jabki ICICI Prudential Bluechip Fund expense ratio 0.52% ke sath aata hai. Haan, ICICI Prudential Bluechip Fund more cost-effective fund hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
ICICI Prudential Bluechip Fund
₹1431679.77
@15.4% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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