SBI Debt Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.82%
Dekho, aaj hum aapko do debt aur large cap funds ke beech me comparison karne ja rahen hain. SBI Debt Fund aur Kotak Mahindra Large Cap Fund dono mein kya acha hai, iska jawab hum aapko is article me de rahe hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 635.60 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.36% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.32 |
| Sharpe Ratio | 2.67 | 0.56 |
| 1 Year Return (%) | 4.95% | -2.46% |
| 3 Year Return (%) | 14.51% | 12.82% |
| 5 Year Return (%) | 12.09% | 12.2% |
| Since Launch (%) | N/A | 13.87% |
| 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) | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
Haan, yeh bahut achi baat hai ki aapko pata chale ki fund A ya fund B better hai. Isliye, hum aapko batana chahte hain ki 3Y return, expense ratio, aur risk ke hisab se, fund A hi better hai. Isse aapko long-term wealth creation ke liye achi return milegi.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
SIP kyu ni karne chalein? Dekho, hum aapko batana chahte hain ki fund A yaa fund B SIP ke liye achi hai. Fund A ki consistency aur return stability fund B se acchi hai, lekin iske liye 3-5 saal ka wait karna padega.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio - ye sab kuch kya hota hai? Haan, yeh batane ke liye hum aapko batana chahte hain ki fund A ki riskometer moderate hai, volatility 3 hai, Sharpe ratio 2.67 hai, aur expense ratio 0.71% hai. Fund B ki riskometer very high hai, volatility 11.32 hai, aur expense ratio 1.36% hai. Isse aapko pata chalega ki fund A ki risk-adjusted return fund B se acchi hai.
📊 Portfolio Diversification
Portfolio diversification kya hota hai? Dekho, hum aapko batana chahte hain ki fund A aur fund B ki asset allocation me kitni similarity hai. Fund A ki asset allocation me debentures 40%, SDL 30%, T-Bills 20%, aur GOI Sec 10% hai. Fund B ki asset allocation me equity 96% aur T-Bills 4% hai. Isse aapko pata chalega ki fund A ki asset allocation fund B ki compare kardhi hoti hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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 ki 5Y return 12.09% hai, jo fund B ki 5Y return 12.2% se kam hai. Isliye, fund B long-run mein better return deta hai.
Q2: Is the higher risk fund worth it?
Haaan, fund B ki volatility 11.32 hai, jo fund A ki volatility 3 se kam hai. Lekin, fund B ki Sharpe ratio 0.56 hai, jo fund A ki Sharpe ratio 2.67 se kam hai. Isliye, fund B ki higher risk worth hain. Lekin, aapko pata chalna chahta hai ki aap aapki risk tolerance ke hisab se kya decide karte hain.
Q3: Which fund is more cost-effective?
Fund A ki expense ratio 0.71% hai, jo fund B ki expense ratio 1.36% se kam hai. Isliye, fund A 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