SBI Debt Fund vs LIC Mutual Fund 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%
Chaliye dekho, Fund A aur Fund B dono debt aur liquid funds hain. Lekin Fund A debt fund hai aur Fund B liquid fund. Aaj hum Fund A aur Fund B ke beech mein comparison karenge aur dekhenge ki kis fund mein long-term wealth creation ke liye investment karna chahiye. Haan, aapki jankari ke liye hum Fund A aur Fund B ke sabhi features aur characteristics detail mein sunaenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, to our verdict hai Fund B better fund hai long-term wealth creation ke liye. Fund B ka 3Y return 6.93% hai, jo ki Fund A ka 3Y return 14.51% se kam hai, lekin Fund B ka expense ratio 0.12% hai, jo ki Fund A ka expense ratio 0.71% se kam hai. Lekin Fund A ka riskometer moderate hai, jo ki Fund B ka low riskometer se bada hai. Haan, to Fund B mein investment karna chahiye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP ke liye Fund B better fund hai. Fund B ka consistency aur return stability bahut accha hai, jisse investment ke liye bahut achha fund hai. Lekin Fund A ka 3Y return Fund B se kam hai, lekin Fund A ka riskometer moderate hai, jo ki Fund B ka low riskometer se bada hai. Haan, to SIP ke liye Fund B better fund hai.
⚠️ Risk & Cost Analysis
Haan, to riskometer, volatility, Sharpe ratio, expense ratio ke liye Fund B better fund hai. Fund B ka riskometer low hai, jo ki Fund A ka moderate riskometer se kam hai. Fund B ka volatility 0.12 hai, jo ki Fund A ka volatility 3 se kam hai. Lekin Fund A ka Sharpe ratio 2.67 hai, jo ki Fund B ka Sharpe ratio 3.58 se kam hai. Haan, to Fund B mein investment karna chahiye.
📊 Portfolio Diversification
Haan, to asset allocation aur top holdings concentration ke liye Fund A better fund hai. Fund A ka asset allocation debt se related assets, jaise debenture, SDL, T-Bills, GOI Sec hai. Lekin Fund B ka asset allocation liquid assets, jaise T-Bills, CD, CP, cash hai. Haan, to Fund A mein asset allocation aur top holdings concentration bahut accha hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
LIC Mutual Fund 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?
Sach ye hai ki Fund B ka 5Y return 6.11% hai aur Fund A ka 5Y return 12.09% hai. To Fund A mein long-term wealth creation ke liye investment karna chahiye.
Q2: Is the higher risk fund worth it?
Haan, to higher risk fund worth hai, lekin Fund A ka riskometer moderate hai, jo ki Fund B ka low riskometer se bada hai. Lekin Fund B ka volatility 0.12 hai, jo ki Fund A ka volatility 3 se kam hai. Haan, to investment karna chahiye.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.12% hai, jo ki Fund A ka expense ratio 0.71% se kam hai. Haan, to Fund B mein investment karna chahiye.
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