SBI Debt Fund vs JM Financial 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%
Dekho, aaj hum do alag-alag type ke mutual funds ke beech comparison karne ja rahe hain. Fund A, SBI Debt Fund, ek debt fund hai, jabki Fund B, JM Financial Large Cap Fund, ek large cap fund hai. Aaj hum dekhenge ki dono funds mein kya aisa hai jo har har vartaman par ek doosre se alag hai. Hamare paas aayen ge 3 saal ke return, expense ratio aur riskometer ke baare mein kuch data hai, jo hum is article mein discuss karenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.25 |
| Sharpe Ratio | 2.67 | 0.67 |
| 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) | Asit Bhandarkar (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% | 26% |
🤖 AI Verdict – Which is Better?
Sach ye hai, jab hum 3 saal ke return dekhte hain, to SBI Debt Fund ke 14.51% return JM Financial Large Cap Fund ke 14.7% return se thode kam hain lekin expense ratio ke hisab se, SBI Debt Fund zyada expensive hai. Lekin riskometer ke hisab se, JM Financial Large Cap Fund ka risk zyada hai, isliye hum apne nivesh ke liye SBI Debt Fund ko better choice manaenge.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
SIP ke liye, hum dekhenge ki fund ke 3 saal ke return aur expense ratio kaise hain. SBI Debt Fund ka 3 saal ka return 14.51% hai, jabki expense ratio 0.71% hai. Iske alawa, yeh fund moderate riskometer ke saath aata hai. Iske liye, hum SBI Debt Fund ko better choice manaenge SIP ke liye.
⚠️ Risk & Cost Analysis
Hum dekhenge ki dono funds mein riskometer, volatility aur Sharpe ratio ka kya hai. SBI Debt Fund ka riskometer moderate hai, jabki JM Financial Large Cap Fund ka riskometer very high hai. Volatility ke hisab se bhi, SBI Debt Fund ka volatility 3 hai, jabki JM Financial Large Cap Fund ka volatility 12.25 hai. Sharpe ratio ke hisab se, SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki JM Financial Large Cap Fund ka Sharpe ratio 0.67 hai. Iske liye, hum SBI Debt Fund ko better choice manaenge risk-adjusted returns ke liye.
📊 Portfolio Diversification
Hum portfolio diversification ke liye dekhenge ki dono funds mein asset allocation aur top holdings concentration kya hai. SBI Debt Fund mein, debt securities ka asset allocation 90% hai, jabki equity ka asset allocation 0% hai. Iske alawa, yeh fund mein top holdings concentration bhi kam hai, kyonki top 3 holdings mein kam se kam 40% assets hai. Iske liye, hum SBI Debt Fund ko better choice manaenge portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
JM Financial 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?
SBI Debt Fund ka 5 saal ka return 12.09% hai, jabki JM Financial Large Cap Fund ka 5 saal ka return 12.03% hai. Iske liye, hum SBI Debt Fund ko better choice manaenge long run ke returns ke liye.
Q2: Is the higher risk fund worth it?
JM Financial Large Cap Fund ka riskometer very high hai, volatility 12.25 hai, aur Sharpe ratio 0.67 hai. Iske liye, hum SBI Debt Fund ko better choice manaenge higher risk ke liye.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jabki JM Financial Large Cap Fund ka expense ratio 0.52% hai. Iske liye, hum JM Financial Large Cap Fund ko better choice manaenge cost-effectiveness ke liye.
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