SBI Debt Fund vs Mirae Asset Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.03%
Dekho, aaj hum do mutual funds ke beech mein comparison karne ja rahe hain - SBI Debt Fund aur Mirae Asset Mid Cap Fund. Ye dono fund alag-alag categories mein hain aur inka asset allocation bhi alag-alag hai. Is article mein hum in dono fund ke 3Y return, expense ratio, aur riskometer ke aadhar par comparison karne jaenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BMirae Asset Mid Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Debt | Mid Cap |
| NAV (₹) | 13.73 | 38.13 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.67% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.96 |
| Sharpe Ratio | 2.67 | 0.37 |
| 1 Year Return (%) | 4.95% | 2.41% |
| 3 Year Return (%) | 14.51% | 12.03% |
| 5 Year Return (%) | 12.09% | 9.36% |
| Since Launch (%) | N/A | 13.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 22 August 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Ankit Jain (6.9 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Midcap 150 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%) | Indusind Bank Ltd. (3.74%), Bharat Forge Ltd. (3.49%), Lupin Ltd. (3.47%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.85% | Mutual Fund: 0.26% |
| Portfolio Turnover | 150% | 47% |
🤖 AI Verdict – Which is Better?
Chaliye, long-term wealth creation ke liye, Fund A (SBI Debt Fund) better option hai. Iska reason yeh hai ki yeh fund 3Y return mein 14.51% deta hai, expense ratio 0.71% hai aur riskometer moderate hai. Fund B (Mirae Asset Mid Cap Fund) ka 3Y return 12.03% hai, expense ratio 1.67% hai aur riskometer very high hai. Lekin volatility aur Sharpe ratio ka mukhya dhyaan rakhein.
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 Mid Cap Fund?
- Expense ratio: 1.67%
- 3Y return: 12.03%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 0.37
📈 SIP Suitability
SIP ke liye Fund A (SBI Debt Fund) aur bhi accha hai. Iska reason yeh hai ki yeh fund 10+ saal ke liye consistent returns deta hai aur iska asset allocation debt asset class mein hai, jo adhik stable hai. Fund B (Mirae Asset Mid Cap Fund) ka asset allocation mid cap companies mein hai, jo adhik risk-prone hai.
⚠️ Risk & Cost Analysis
Riskometer aur Sharpe ratio ke aadhar par, Fund A (SBI Debt Fund) better option hai. Yeh fund riskometer moderate hai aur Sharpe ratio 2.67 hai, jo adhik accha hai. Fund B (Mirae Asset Mid Cap Fund) ka riskometer very high hai aur Sharpe ratio 0.37 hai, jo kamjor hai. Lekin expense ratio ka dhyaan rakhein. Fund B ka expense ratio 1.67% hai, jo Fund A ka 0.71% se adhik hai.
📊 Portfolio Diversification
Asset allocation ke aadhar par, Fund A (SBI Debt Fund) aur bhi diversified hai. Yeh fund apne asset allocation mein debenture, SDL, T-Bills, aur GOI Sec ke prati 40.00%, 30.00%, 20.00%, aur 10.00% deta hai. Fund B (Mirae Asset Mid Cap Fund) ka asset allocation mid cap companies mein hai, jo sector risk pradan karta hai. Top holdings concentration ke aadhar par bhi, Fund A aur bhi kamjor hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Mirae Asset Mid Cap Fund
₹1163772.71
@12.0% 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?
Sach ye hai ki Fund A (SBI Debt Fund) 5Y return mein 12.09% deta hai, jo Fund B (Mirae Asset Mid Cap Fund) ka 9.36% se adhik hai. Lekin 3Y return ke aadhar par, dono fund ek-dusre ke aas paas hain.
Q2: Is the higher risk fund worth it?
Riskometer aur Sharpe ratio ke aadhar par, Fund B (Mirae Asset Mid Cap Fund) kamjor hai. Yeh fund riskometer very high hai aur Sharpe ratio 0.37 hai, jo Fund A ka 2.67 se kamjor hai. Haan, yeh fund adhik risk-prone hai, lekin koi bhi investor apne risk appetite ka dhyaan rakhein aur nischit karein ki yeh fund unke liye sahi hai.
Q3: Which fund is more cost-effective?
Expense ratio ke aadhar par, Fund A (SBI Debt Fund) adhik cost-effective hai. Yeh fund expense ratio 0.71% deta hai, jo Fund B (Mirae Asset Mid Cap Fund) ka 1.67% se kamjor 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