SBI Debt Fund vs ICICI Prudential Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
15.42%
Ab hum aapko do fundon ke beech ka comparison karne ja rahe hain - SBI Debt Fund aur ICICI Prudential Small Cap Fund. Ye donon fund aapke wealth creation ke liye bahut hi upyukt hain. Aaj hum aapko batayenge ki ye donon fund aapke liye kaise upyukt hain aur kaun se fund aapke liye better hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BICICI Prudential Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | ICICI Prudential |
| Category | Debt | Small Cap |
| NAV (₹) | 13.73 | 96.92 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.27 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.82% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 17.48 |
| Sharpe Ratio | 2.67 | 0.51 |
| 1 Year Return (%) | 4.95% | 1.68% |
| 3 Year Return (%) | 14.51% | 15.42% |
| 5 Year Return (%) | 12.09% | 17.22% |
| Since Launch (%) | N/A | 16.62% |
| 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) | Harsh Upadhyaya; Sharmila D'Silva (4.2 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Smallcap 250 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%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 150% | 21% |
🤖 AI Verdict – Which is Better?
Haan, fund B, ICICI Prudential Small Cap Fund, aapke liye better hai. Iska reason hai ki iska 3Y return 15.42% hai aur expense ratio 0.82% hai. Dekho, expense ratio kam hai aur return bhi adhik hai. Lekin, is fund ka riskometer very high hai, jiska matlab hai ki isme risk bhi adhik hai. Isliye, aapko fund B mein invest karna karna hai, lekin ek chhote aur steady fund se pehle.
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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 15.42%
- AUM: 2.27 Lac Cr
- Sharpe Ratio: 0.51
📈 SIP Suitability
Ab hum aapko batayenge ki aapka monthly SIP kis fund mein karna chahiye. Fund A, SBI Debt Fund, ek steady fund hai jiska 3Y return 14.51% hai. Is fund ka expense ratio 0.71% hai, jo bahut kam hai. Lekin, fund B, ICICI Prudential Small Cap Fund, ka 5Y return 17.22% hai, jo adhik hai. Isliye, aapka monthly SIP fund B mein karna chahiye. Lekin, ek chhote aur steady fund se pehle.
⚠️ Risk & Cost Analysis
Ab hum aapko batayenge ki donon fundon ka riskometer kya hai. Fund A ka riskometer moderate hai, jiska matlab hai ki isme risk kam hai. Lekin, fund B ka riskometer very high hai, jiska matlab hai ki isme risk adhik hai. Iske alawa, fund B ka volatility 17.48 hai, jo fund A ki volatility 3 se adhik hai. Lekin, fund B ka Sharpe ratio 0.51 hai, jo fund A ki Sharpe ratio 2.67 se kam hai. Isliye, fund A aapke liye better hai.
📊 Portfolio Diversification
Ab hum aapko batayenge ki donon fundon ka asset allocation kya hai. Fund A ka asset allocation yeh hai - Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, GOI Sec 10.00%. Iska matlab hai ki fund A ka asset allocation adhik diversified hai. Lekin, fund B ka asset allocation yeh hai - Equity 91.00%, Cash & Equivalents 9.00%. Iska matlab hai ki fund B ka asset allocation kam diversified hai. Lekin, fund B ka top holdings aapke liye better hai - Aarti Drugs Ltd., Hatsun Agro Product Ltd., National Aluminium Company Ltd.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
ICICI Prudential Small Cap Fund
₹1429907.82
@15.4% 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 Small Cap Fund, aapke liye better hai. Iska 5Y return 17.22% hai, jo fund A ki 5Y return 12.09% se adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, higher risk fund aapke liye nahi hai. Fund A ka riskometer moderate hai, jiska matlab hai ki isme risk kam hai. Lekin, fund B ka riskometer very high hai, jiska matlab hai ki isme risk adhik hai. Iske alawa, fund B ka volatility 17.48 hai, jo fund A ki volatility 3 se adhik hai.
Q3: Which fund is more cost-effective?
Fund A, SBI Debt Fund, aapke liye more cost-effective hai. Iska expense ratio 0.71% hai, jo fund B ki expense ratio 0.82% 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