SBI Debt Fund vs LIC Mutual Fund 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%
Chaliye, today humein do funds ke beech ki tarah karnegi, jo ki SBI Debt Fund aur LIC Mutual Fund Large Cap Fund hain. Ye donoh funds aapke wealth creation ke liye kya offer kar sakte hain? Pehle humein fund A ki categories aur asset allocation se shuru karenge, phir fund B ki visheshtayein dekhein. Dekho, kya donoh funds aapke long-term investment ke liye acche hain?
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.93 |
| Sharpe Ratio | 2.67 | 0.69 |
| 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) | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Sach ye hai, fund A SBI Debt Fund ne 3Y return mein 14.51% kiya hai, jabki fund B LIC Mutual Fund Large Cap Fund ne 14.7% kiya hai. Lekin, expense ratio ke mukabale fund B kam mahanga hai, 0.52% se kam. Haan, fund A ke riskometer moderate hai, jabki fund B ka riskometer very high hai. Toh, chaliye humein fund B ko better fund ke roop mein samjhaein. Fund B aapke long-term wealth creation ke liye accha fund 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 LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
SIP suitbility ke mukabale fund B accha hai. Fund B ne 3Y return mein 14.7% kiya hai, jabki fund A ne 14.51% kiya hai. Lekin fund B ka volatility 11.93 hai, jisse fund A ka volatility 3 hi hai. Haan, fund A ka expense ratio 0.71% hai, jabki fund B ka expense ratio 0.52% hai. Toh, chaliye humein fund B ko SIP ke liye accha fund samjhaein.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke mukabale fund A kam risk wala hai, lekin fund B ka riskometer very high hai. Lekin, Sharpe ratio ke mukabale fund A ka Sharpe ratio 2.67 hai, jabki fund B ka Sharpe ratio 0.69 hai. Haan, expense ratio ke mukabale fund B kam mahanga hai. Toh, chaliye humein fund A ko risk-adjusted returns ke liye accha fund samjhaein.
📊 Portfolio Diversification
Asset allocation ke mukabale fund A ne Debenture mein 40% investment kiya hai, SDL mein 30% investment kiya hai, T-Bills mein 20% investment kiya hai, aur GOI Sec mein 10% investment kiya hai. Fund B ne equity mein 96% investment kiya hai, aur T-Bills mein 4% investment kiya hai. Haan, top holdings concentration ke mukabale fund A ka concentration kam hai, lekin fund B ka concentration bahut hi adhik hai. Toh, chaliye humein fund A ko portfolio diversification ke liye accha fund samjhaein.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
LIC Mutual Fund 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?
Sach ye hai, fund B LIC Mutual Fund Large Cap Fund ne 5Y return mein 12.03% kiya hai, jabki fund A SBI Debt Fund ne 12.09% kiya hai. Toh, fund B fund A se better returns dega.
Q2: Is the higher risk fund worth it?
Haan, fund B ka higher risk hain, lekin uska Sharpe ratio 0.69 hai, jo ki fund A ka Sharpe ratio 2.67 se kam hai. Toh, fund B ka higher risk fund A ke mukabale accha hai.
Q3: Which fund is more cost-effective?
Sach ye hai, fund B ka expense ratio 0.52% hai, jabki fund A ka expense ratio 0.71% hai. Haan, fund B fund A se 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