SBI Debt Fund vs Mirae Asset Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
11.03%
dekho, aaj humein do mutual funds ke beech kuch comparison karna hai - SBI Debt Fund aur Mirae Asset Large Cap Fund. Ye dono fund ek dusre se alag category mein hain - debt aur large cap. Is article mein humein 3Y return, expense ratio aur riskometer ke aadhaar par ek fund ko bataunga jo long-term wealth creation ke liye better hai. Chaliye shuru karte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BMirae Asset Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 122.90 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.57% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.64 |
| Sharpe Ratio | 2.67 | 0.39 |
| 1 Year Return (%) | 4.95% | -2% |
| 3 Year Return (%) | 14.51% | 11.03% |
| 5 Year Return (%) | 12.09% | 10.78% |
| Since Launch (%) | N/A | 14.98% |
| 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) | Gaurav Misra (7.3 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | NIFTY 100 Total Return 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%) | HDFC Bank Ltd. (9.15%), ICICI Bank Ltd. (8.12%), Reliance Industries Ltd. (5.76%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 99.63% | Mutual Fund: 0.17% |
| Portfolio Turnover | 150% | 20% |
🤖 AI Verdict – Which is Better?
haan, to verdict yeh hai ki SBI Debt Fund long-term wealth creation ke liye better hai. Iska 3Y return 14.51% hai, lekin expense ratio bhi moderate hai. Mirae Asset Large Cap Fund ka 3Y return 11.03% hai, lekin expense ratio moderate hai. Riskometer ke aadhaar par bhi SBI Debt Fund better hai. Riskometer Moderate hai, lekin Mirae Asset Large Cap Fund ka Riskometer Very High hai. To, SBI Debt Fund ek better option 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 Mirae Asset Large Cap Fund?
- Expense ratio: 0.57%
- 3Y return: 11.03%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, SBI Debt Fund better hai. 10+ saal ke liye, SBI Debt Fund ki consistency aur return stability kaafi better hai. Mirae Asset Large Cap Fund ka return stability kaafi kam hai. SBI Debt Fund ki AUM bhi 83,353 Cr hai, jiska koi sawal nahi hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke aadhaar par, SBI Debt Fund better hai. SBI Debt Fund ka riskometer moderate hai, volatility 3 hai, aur Sharpe ratio 2.67 hai. Mirae Asset Large Cap Fund ka riskometer very high hai, volatility 11.64 hai, aur Sharpe ratio 0.39 hai. Expense ratio ke aadhaar par bhi SBI Debt Fund better hai. SBI Debt Fund ka expense ratio 0.71% hai, lekin Mirae Asset Large Cap Fund ka expense ratio bhi 0.57% hai. To, SBI Debt Fund better hai.
📊 Portfolio Diversification
SBI Debt Fund ki asset allocation better hai. Debenture, SDL, T-Bills aur GOI Sec ke beech distribution kaafi accha hai. Mirae Asset Large Cap Fund ki asset allocation ek hi sector mein concentration hai. Equity ke 99.63% se investment hai. Top holdings concentration bhi ek hi sector mein hai. To, SBI Debt Fund ki portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Mirae Asset Large Cap Fund
₹1096870.77
@11.0% 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?
SBI Debt Fund ka 5Y return 12.09% hai, jo Mirae Asset Large Cap Fund ka 10.78% se better hai. Isliye, SBI Debt Fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Mirae Asset Large Cap Fund ka riskometer very high hai, aur volatility 11.64 hai. Sharpe ratio bhi kam hai, 0.39. SBI Debt Fund ka riskometer moderate hai, aur Sharpe ratio 2.67 hai. To, SBI Debt Fund better hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, aur Mirae Asset Large Cap Fund ka expense ratio 0.57% hai. To, Mirae Asset Large Cap Fund cost-effectiveness mein better 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