SBI Debt Fund vs ICICI Prudential 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%
Aap humein do funds ki jankari dekhne ke liye aaya hain, SBI Debt Fund aur ICICI Prudential Liquid Fund. Ye dono funds ek-ek kar ke dekhe jaayenge, kya aapke paise ko behtar returns milega aur fund ke risk ka kya hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Debt | Liquid |
| NAV (₹) | 13.73 | 411.88 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 3.58 |
| 1 Year Return (%) | 4.95% | 6.15% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund A ke 3Y return (14.51%) aur expense ratio (0.71%) Fund B se accha hai. Lekin Fund B ka low riskometer aur low volatility (0.12) Fund A se accha hai. Haan, humein Fund A ko better fund mana 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Monthly SIP ke liye, Fund B accha hai. Iska 1Y return (6.15%) aur 3Y return (6.93%) Fund A ke 1Y return (4.95%) aur 3Y return (14.51%) se thoda behtar hai. Lekin Fund A ka asset allocation Fund B ke behtar hai, kyonki ismein debenture aur SDL ka bhi bada hissa hai. Dekho, Fund B ka consistency aur return stability Fund A se accha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, Fund B accha hai. Iska riskometer low hai aur volatility bhi kam hai. Lekin Fund A ka Sharpe ratio (2.67) Fund B ka Sharpe ratio (3.58) se behtar hai. Haan, Fund A ka expense ratio (0.71%) Fund B ka expense ratio (0.12%) se zyada hai. Lekin Fund A ka asset allocation Fund B ke behtar hai.
📊 Portfolio Diversification
Fund A ka asset allocation Fund B se alag hai. Ismein debenture, SDL, T-Bills, aur GOI Sec ka bada hissa hai. Isse fund ke sector risk low hai. Fund B ka asset allocation thoda uniform hai, lekin ismein T-Bills ka bada hissa hai. Dekho, Fund A ka asset allocation Fund B se behtar hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
ICICI Prudential 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?
Fund A ka 5Y return (12.09%) aur 3Y return (14.51%) Fund B ke 5Y return (6.11%) aur 3Y return (6.93%) se behtar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio (2.67) Fund B ka Sharpe ratio (3.58) se kam hai, lekin Fund A ka 3Y return (14.51%) aur expense ratio (0.71%) Fund B ke behtar hai.
Q3: Which fund is more cost‑effective?
Fund B ka expense ratio (0.12%) Fund A ka expense ratio (0.71%) se kam hai, isliye Fund B accha 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