SBI Debt Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.97%
Dekho, aaj hum do alag-alag types ki funds ke beech mein terehrota karne ja rahe hain. Fund A, SBI Debt Fund hai, jo debt category mein aata hai. Fund B, JM Financial Liquid Fund hai, jo liquid fund category mein aata hai. Is article mein, hum terehrota karne wale hain ki yeh do funds aapke liye kaise theek hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 363.19 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 3.92 |
| 1 Year Return (%) | 4.95% | 6.21% |
| 3 Year Return (%) | 14.51% | 6.97% |
| 5 Year Return (%) | 12.09% | 6.16% |
| Since Launch (%) | N/A | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 8 March 2016 |
| 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 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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, yeh sawaal sabke man mein uthta hai. Fund B, JM Financial Liquid Fund, long-term wealth creation ke liye better hai. Iska 3Y return Fund A se zyada hai, lekin expense ratio bahut kam hai. Riskometer bahut low hai, jisse yeh fund aapke investment ko surakshit rakhta 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Jab aap ek monthly SIP lagaate hain, to aapko consistency aur return stability ka dhyan rakhna hoga. Fund B, JM Financial Liquid Fund, isme se zyada suitable hai. Iska 1Y aur 3Y return Fund A se zyada hai, aur expense ratio kam hai. Aapko lagta hai ki yeh fund aapke SIP ke liye theek hoga.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ka dhyan rakhna bohot jaroori hai. Fund A ka riskometer moderate hai, lekin Fund B ka riskometer low hai. Sharpe ratio aur expense ratio bhi dekhna hoga. Fund B ka Sharpe ratio 3.92 hai, jo Fund A se zyada hai. Expense ratio bhi kam hai, jisse yeh fund aapke investment ko surakshit rakhta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka dhyan rakhna hoga. Fund A ka asset allocation debt securities, SDL, aur T-Bills par hoga, lekin Fund B ka asset allocation T-Bills, CD, aur CP par hoga. Top holdings concentration bhi dekhna hoga. Fund A ka top holdings NBARD, Power Finance Corporation, aur Rural Electrification Corporation hain, lekin Fund B ka top holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Fund B ka portfolio diversified hai, lekin Fund A ka portfolio niche diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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?
Yeh sawaal bahut aam hai. Fund B, JM Financial Liquid Fund, long-term ke liye better hai. Iska 5Y return 6.16% hai, jo Fund A ka 5Y return 12.09% se kam hai.
Q2: Is the higher risk fund worth it?
Riskometer aur volatility ka dhyan rakhna hoga. Fund A ka riskometer moderate hai, lekin Fund B ka riskometer low hai. Sharpe ratio bhi dekhna hoga. Fund B ka Sharpe ratio 3.92 hai, jo Fund A ka Sharpe ratio 2.67 se zyada hai. Isliye, Fund B aapke investment ko surakshit rakhta hai.
Q3: Which fund is more cost-effective?
Expense ratio ka dhyan rakhna hoga. Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.71% se kam hai. Isliye, Fund B aapke paas 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