SBI Debt Fund vs Invesco Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.7%
Yadi aapko ek debt aur ek large cap mutual fund mein sudharan ke liye soch rahe hain, toh yeh article aapke liye faydemand ho sakta hai. Hamare paas do nivesh vikalp hain: SBI Debt Fund aur Invesco Mutual Fund Large Cap Fund. Dekho, hum in dono fundon ka ek tarah ka sanvedan karne ki koshish karenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BInvesco Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Invesco Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.08 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.43 |
| Sharpe Ratio | 2.67 | 0.66 |
| 1 Year Return (%) | 4.95% | -4.02% |
| 3 Year Return (%) | 14.51% | 14.7% |
| 5 Year Return (%) | 12.09% | 12.03% |
| Since Launch (%) | N/A | 11.65% |
| 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) | Amit Ganatra (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% | 27% |
🤖 AI Verdict – Which is Better?
Sach ye hai, SBI Debt Fund ek adhik sthir aur asarshaili fund hai, jiska 3-sal return 14.51% hai. Yeh fund apne expense ratio (0.71%) ke liye bhi kamjor hai. Haan, Invesco Mutual Fund Large Cap Fund ki 3-sal return bhi achchi hai, lekin yeh fund adhik risk-wali hai. Dekho, agar aap long-term wealth creation ke liye nivesh kar rahe hain, toh SBI Debt Fund aapke liye adhik upyukt ho sakta 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 Invesco Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.08 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
Sach ye hai, SIP (Systematic Investment Plan) mein nivesh karne ke liye SBI Debt Fund adhik shant aur stable hai. Yeh fund apne 1-sal return (4.95%) ke liye bhi adhik achcha hai, lekin yeh fund apne expense ratio ke liye kamjor hai. Haan, Invesco Mutual Fund Large Cap Fund ki return bhi badi hai, lekin yeh fund adhik risk-wali hai. Dekho, agar aap 10+ saal ke liye SIP mein nivesh kar rahe hain, toh SBI Debt Fund aapke liye adhik upyukt ho sakta hai.
⚠️ Risk & Cost Analysis
Sach ye hai, SBI Debt Fund ki riskometer moderate hai, jiska matlab hai ki yeh fund adhik risk-wali nahin hai. Yeh fund apne volatility (3) ke liye bhi kamjor hai. Haan, Invesco Mutual Fund Large Cap Fund ki riskometer very high hai, jiska matlab hai ki yeh fund adhik risk-wali hai. Dekho, agar aap risk-adjusted returns ke liye nivesh kar rahe hain, toh SBI Debt Fund aapke liye adhik upyukt ho sakta hai.
📊 Portfolio Diversification
Sach ye hai, SBI Debt Fund ki asset allocation debt aur fixed income vikalpon par dhyan kendrit karti hai, jiska matlab hai ki yeh fund adhik diversified hai. Yeh fund apne top holdings koncentration ke liye bhi kamjor hai. Haan, Invesco Mutual Fund Large Cap Fund ki asset allocation large cap shares par dhyan kendrit karti hai, jiska matlab hai ki yeh fund adhik sector risk-wali hai. Dekho, agar aap portfolio diversification ke liye nivesh kar rahe hain, toh SBI Debt Fund aapke liye adhik upyukt ho sakta hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Invesco Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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, SBI Debt Fund ki 5-sal return 12.09% hai, jo ki Invesco Mutual Fund Large Cap Fund ki 5-sal return 12.03% se adhik hai. Dekho, yeh fund long-term wealth creation ke liye aapke liye adhik upyukt ho sakta hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Invesco Mutual Fund Large Cap Fund ki riskometer very high hai, lekin yeh fund apne returns ke liye bhi adhik bada hai. Haan, yeh fund apne volatility (12.43) ke liye bhi adhik risk-wali hai. Dekho, agar aap risk-adjusted returns ke liye nivesh kar rahe hain, toh SBI Debt Fund aapke liye adhik upyukt ho sakta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Debt Fund ki expense ratio 0.71% hai, jo ki Invesco Mutual Fund Large Cap Fund ki expense ratio 0.52% se adhik hai. Dekho, yeh fund cost-effective hai aur aapke liye adhik upyukt ho sakta 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