SBI Debt Fund vs ICICI Prudential Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
20.43%
Dekho, today humein do funds ke baare mein jaanne ke liye hain, SBI Debt Fund aur ICICI Prudential Multi Cap Fund. In dono funds ki categories aur performance ke baare mein jaanne ke baad hum aapko batayenge ki fund ki comparison kaise karein.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BICICI Prudential Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 934.98 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.70 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.74% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.2 |
| Sharpe Ratio | 2.67 | 1.06 |
| 1 Year Return (%) | 4.95% | 6.9% |
| 3 Year Return (%) | 14.51% | 20.43% |
| 5 Year Return (%) | 12.09% | 17.37% |
| Since Launch (%) | N/A | 16.31% |
| 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) | Lalit Kumar; Sharmila D'Silva (3.9 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%) | BSE Ltd. (3.31%), Ultratech Cement Ltd. (2.85%), Jindal Steel Ltd. (2.73%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.97% |
| Portfolio Turnover | 150% | 45% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund B, ICICI Prudential Multi Cap Fund, better hai. Iska 3Y return 20.43% hai, jo Fund A, SBI Debt Fund ka 14.51% se adhik hai. Lekin is fund ka expense ratio 1.74% hai, jo Fund A ka 0.71% se adhik hai. Haan, Fund B ka riskometer bhi Very High hai, lekin yadi aap long-term investment ke liye taiyar hain, to is fund ko prefer karein.
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 Multi Cap Fund?
- Expense ratio: 1.74%
- 3Y return: 20.43%
- AUM: 1.70 Lac Cr
- Sharpe Ratio: 1.06
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A, SBI Debt Fund, better hai. Iska 1Y return 4.95% hai, jo Fund B ka 6.9% se kam hai, lekin iska expense ratio 0.71% hai, jo Fund B ka 1.74% se kam hai. Haan, Fund A ka 3Y return 14.51% hai, jo Fund B ka 20.43% se kam hai, lekin is fund ka consistency aur return stability better hai.
⚠️ Risk & Cost Analysis
Fund B, ICICI Prudential Multi Cap Fund, ka riskometer Very High hai, lekin iska sharpe ratio 1.06 hai, jo Fund A ka 2.67 se kam hai. Haan, Fund B ka expense ratio 1.74% hai, jo Fund A ka 0.71% se adhik hai. Lekin Fund B ka volatility 13.2 hai, jo Fund A ka 3 se adhik hai. Haan, Fund B ka sharpe ratio Fund A ka sharpe ratio se kam hai, lekin fund ke return ke adhik risk ke liye yeh sharpe ratio better hai.
📊 Portfolio Diversification
Fund A, SBI Debt Fund, ka asset allocation Debt sector mein hai, jismein debenture, SDL, T-Bills aur GOI Sec ke 100% assets hain. Fund B, ICICI Prudential Multi Cap Fund, ka asset allocation equity sector mein hai, jismein equity ke 97.97% assets hain. Haan, Fund A ka asset allocation 100% debt sector mein hai, jo Fund B ka asset allocation 97.97% equity sector mein hai. Fund B ka top holdings mein BSE Ltd, Ultratech Cement Ltd aur Jindal Steel Ltd ke 3.31%, 2.85% aur 2.73% assets hain. Haan, Fund A ka top holdings mein National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd aur Rural Electrification Corporation Ltd ke 5.8%, 5.2% aur 4.9% assets hain.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
ICICI Prudential Multi Cap Fund
₹1966010.45
@20.4% 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 B, ICICI Prudential Multi Cap Fund, ka 5Y return 17.37% hai, jo Fund A, SBI Debt Fund ka 12.09% se adhik hai.
Q2: Is the higher risk fund worth it?
Fund B, ICICI Prudential Multi Cap Fund, ka sharpe ratio 1.06 hai, jo Fund A ka 2.67 se kam hai, lekin fund ke return ke adhik risk ke liye yeh sharpe ratio better hai.
Q3: Which fund is more cost‑effective?
Fund A, SBI Debt Fund, ka expense ratio 0.71% hai, jo Fund B ka 1.74% 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