SBI Debt Fund vs Invesco Mutual Fund 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%
Chaliye dekho, aaj hum do mutual funds ke beech mein comparison karenge. Fund A SBI Debt Fund hai, jiska category debt hai, aur Fund B Invesco Liquid Fund hai, jiska category liquid fund hai. Aaj hum aapko bataung ki kis fund mein long-term wealth creation ka bhi potential hai aur kis fund ki riskometer low hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Invesco Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 3819.94 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.13 |
| Sharpe Ratio | 2.67 | 3.31 |
| 1 Year Return (%) | 4.95% | 6.17% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 6.82% |
| 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) | Amit Ganatra (3.5 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% | 269% |
🤖 AI Verdict – Which is Better?
Humare paas data hai, aur hum yeh pata chal sakte hain ki kis fund mein long-term wealth creation ka potential hai. Fund A ka 3Y return 14.51% hai, expense ratio 0.71% hai, aur riskometer moderate hai. Fund B ka 3Y return 6.93% hai, expense ratio 0.12% hai, aur riskometer low hai. Haan, yeh pata chal sakta hai ki Fund A better hai long-term wealth creation ke liye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ke liye Fund B better hai, kyunki yeh consistent returns deta hai aur koi bhi market fluctuations se aapko bachata hai. Fund A ka riskometer moderate hai, lekin yeh bhi consistent returns dete hai. Lekin, sip ke liye Fund B more suitable hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se, Fund B low hai, aur volatility bhi kam hai. Sharpe ratio ke hisaab se, Fund B better hai. Lekein, expense ratio ke hisaab se, Fund B kam hai. Haan, risk-adjusted returns ke hisaab se, Fund B better hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund B kam diversified hai, kyunki yeh T-Bills, CD, aur CP mein invested hai. Lekin, Fund A ka asset allocation bhi kam diversified hai, kyunki yeh debentures, SDL, T-Bills, aur GOI Sec mein invested hai. Haan, sector risk ke hisaab se, Fund A ka asset allocation kam diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Invesco Mutual Fund 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?
Sach ye hai, Fund A ka 5Y return 12.09% hai, aur Fund B ka 5Y return 6.11% hai. Toh Fund A better hai long-term wealth creation ke liye.
Q2: Is the higher risk fund worth it?
Haan, yeh sach hai ki Fund A ka riskometer moderate hai, lekin yeh bhi consistent returns dete hai. Lekein, volatility ke hisaab se, Fund B kam hai. Toh, Fund B better hai risk-adjusted returns ke hisaab se.
Q3: Which fund is more cost-effective?
Haan, yeh sach hai ki Fund B ka expense ratio 0.12% hai, aur Fund A ka expense ratio 0.71% hai. Toh, Fund B more 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