SBI Debt Fund vs Kotak Mahindra 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%
Agar aapko pata hai ki aapka paisa kahan invest karna hai, toh ye article aapke liye hai. Hum aapko Fund A - SBI Debt Fund aur Fund B - Kotak Mahindra Liquid Fund ke beech mein kuchh mukhya alagatain dikhayenge. Dekho, kis fund mein aapko invest karna chahiye.
[VERDICT]| Parameter | ASBI Debt Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 3.91 |
| 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 | 50.63% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B - Kotak Mahindra Liquid Fund aapke liye long-term invest karna hai. Ye fund 3 saal mein 6.93% ka return de raha hai, jo Fund A ki 3 saal mein 14.51% return se bhi zyada hai. Lekin iske saath hi, Fund B ka expense ratio 0.12% hai, jo Fund A ka 0.71% se kam hai. Agar aapke paas samay hai, toh Fund B par invest karna aapki sabse acchi baat hai.
[SIP_SUITABILITY]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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Agar aap ek monthly SIP ke liye invest karna chahte hain, toh Fund A aapke liye bhi accha hai. Is fund ka 3 saal ka return Fund B ki 1 saal ka return se bhi zyada hai. Lekin Fund B ka return adhik stable hai, jisse aapke SIP ka return bhi adhik stable rahega.
[RISK_COST]⚠️ Risk & Cost Analysis
Agar aapko risk nahi lagta, toh Fund B aapke liye accha hai. Is fund ka riskometer low hai aur Sharpe ratio 3.91 hai, jo Fund A ki Sharpe ratio 2.67 se zyada hai. Lekin Fund A ka expense ratio Fund B ka expense ratio se bhi kam hai. Isliye, Fund A aapke liye cost-effective hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Agar aapko portfolio diversification kaafi important hai, toh Fund A aapke liye accha hai. Is fund mein debt, SDL, T-Bills aur GOI Sec ka asset allocation hai, jo Fund B ki T-Bills, CD aur CP se alag hai. Lekin Fund B ka top holdings concentration Fund A ki top holdings concentration se kam hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Kotak Mahindra 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?
Answer based on 5Y/3Y returns. Fund B - Kotak Mahindra Liquid Fund 3 saal mein 6.93% ka return de raha hai, jo Fund A ki 14.51% return se bhi zyada hai, lekin 5 saal mein Fund A ki return 12.09% hai, jo Fund B ki 6.11% return se zyada hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund A ka Sharpe ratio Fund B ka Sharpe ratio se kam hai, lekin Fund A ka riskometer Fund B ka riskometer se zyada hai. Isliye, Fund B aapke liye accha hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund A ka expense ratio 0.71% hai, jo Fund B ka expense ratio 0.12% se zyada hai. Isliye, Fund A aapke liye 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