SBI Debt Fund vs LIC Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
20.86%
Mujhe lagta hai ki aap dono fonds ke beech kuch differences hain. Fund A ek debt fond hai, jabki Fund B ek multi cap fond hai. Is article mein hum dono fonds ke beech comparison karne wale hain, aur dekhege ki konsa fund long term wealth creation ke liye better hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 19.01 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.9 |
| Sharpe Ratio | 2.67 | 1.03 |
| 1 Year Return (%) | 4.95% | 5.23% |
| 3 Year Return (%) | 14.51% | 20.86% |
| 5 Year Return (%) | 12.09% | 11.46% |
| Since Launch (%) | N/A | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 150% | 38% |
🤖 AI Verdict – Which is Better?
Ek aisa fund hai jo long term mein wealth create karta hai, aur woh hai Fund B. Iska 3Y return 20.86% hai, jo Fund A ke 14.51% se jyada hai. Iske alawa, Fund B ka expense ratio 1.68% hai, jo Fund A ke 0.71% se zyada hai. Lekin, Fund B ka riskometer very high hai, jisse yeh fund investment ke liye riski ho sakta 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
Ek SIP ke liye, Fund A better hai. Iska 1Y return 4.95% hai, jo Fund B ke 5.23% se kam hai. Lekin, Fund A ka consistency aur return stability jyada hai.
⚠️ Risk & Cost Analysis
Volatility, Sharpe ratio, aur expense ratio ke hisab se, Fund A better hai. Fund A ka volatility 3 hai, jo Fund B ka 13.9% se kam hai. Sharpe ratio ke hisab se, Fund A 2.67 hai, jo Fund B ka 1.03 se jyada hai. Iske alawa, Fund A ka expense ratio 0.71% hai, jo Fund B ka 1.68% se kam hai.
📊 Portfolio Diversification
Fund A ka asset allocation jyada diversified hai. Isme debenture, SDL, T-bills, aur GOI securites hain. Fund B ka asset allocation 97% equity aur 3% T-bills mein hai, jisse yeh fund sector risk mein hai. Top holdings ke hisab se bhi, Fund A ka concentration jyada hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
LIC Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Fund B ka 5Y return 11.46% hai, jo Fund A ke 12.09% se kam hai. Lekin, Fund B ka 3Y return 20.86% hai, jo Fund A ke 14.51% se jyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund worth hai. Iska volatility 13.9% hai, lekin Sharpe ratio 1.03 hai, jo Fund A ka 2.67 se kam hai.
Q3: Which fund is more cost-effective?
Fund A adhik cost-effective hai. Iska expense ratio 0.71% hai, jo Fund B ka 1.68% se kam 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