SBI Debt Fund vs ICICI Prudential Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.81%
Dekho, aaj hum do mutual funds ki comparison karne ja rahe hain - SBI Debt Fund aur ICICI Prudential Large Cap Fund. Ye dono fund alag-alag category mein hain, Debt aur Large Cap. Aaj hum jaane wale hain ki kya fund long-term ke liye better hai, SIP ke liye suitable hai, aur kya risk aur cost ke mukabla hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BICICI Prudential Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 117.10 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.36 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.43 |
| Sharpe Ratio | 2.67 | 0.73 |
| 1 Year Return (%) | 4.95% | -2.39% |
| 3 Year Return (%) | 14.51% | 14.81% |
| 5 Year Return (%) | 12.09% | 14.18% |
| Since Launch (%) | N/A | 14.71% |
| 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) | Anish Tawakley (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% | 17% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A, SBI Debt Fund, long-term ke liye better hai. Iska 3Y return 14.51% hai, jo Fund B, ICICI Prudential Large Cap Fund ka 3Y return 14.81% se kam hai. Expense ratio bhi Fund A me kam hai, 0.71% vs Fund B ka 0.52%. Riskometer bhi Fund A me moderate hai, jiska matlab hai ki risk kuch jyaada nahi 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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.81%
- AUM: 2.36 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Haan, SIP ke liye Fund A, SBI Debt Fund, better hai. Iska 3Y return stable hai, aur expense ratio bhi kam hai. Fund B ka 3Y return bhi stable hai, lekin expense ratio Fund A se kam hai. Dekho, SIP ke liye Fund A ka 3Y return 14.51% hai, jo Fund B ka 3Y return se kam hai.
⚠️ Risk & Cost Analysis
Chaliye, Fund A, SBI Debt Fund, aur Fund B, ICICI Prudential Large Cap Fund ka risk aur cost analysis karein. Fund A ka riskometer moderate hai, jiska matlab hai ki risk kuch jyaada nahi hai. Fund B ka riskometer Very High hai, jiska matlab hai ki risk bahut jyaada hai. Sharpe ratio bhi Fund A me jyaada hai, 2.67 vs Fund B ka 0.73. Expense ratio bhi Fund A me kam hai, 0.71% vs Fund B ka 0.52%.
📊 Portfolio Diversification
Portfolio diversification ka mudda hai, lekin Fund A, SBI Debt Fund, aur Fund B, ICICI Prudential Large Cap Fund me alag-alag asset allocation hai. Fund A me debenture, SDL, T-Bills, aur GOI Sec hai, jiska matlab hai ki assets diversified hain. Fund B me equity aur T-Bills hai, jiska matlab hai ki assets concentrated hain. Top holdings bhi Fund A me diversified hain, jaise ki National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd., aur Rural Electrification Corporation Ltd.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
ICICI Prudential Large Cap Fund
₹1377083.20
@14.8% 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, Fund A, SBI Debt Fund, long-term ke liye better hai. Iska 5Y return 12.09% hai, jiska matlab hai ki Fund A long-term me jyaada returns dete hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk worth hai, lekin uska Sharpe ratio Fund A ka 2.67 se kam hai, 0.73. Sharpe ratio ka matlab hai ki risk lekar milne wala return Fund A me jyaada hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A, SBI Debt Fund, aur Fund B, ICICI Prudential Large Cap Fund me expense ratio Fund A me kam hai, 0.71% vs Fund B ka 0.52%. Iska matlab hai ki Fund A 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