SBI Debt Fund vs Motilal Oswal Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.12%
Arre, dekho, today humein do funds ke beech ka comparison karna hai. Fund A hai SBI Debt Fund Direct Plan Growth aur Fund B hai Motilal Oswal Large Cap Fund Direct Plan Growth. Ye dono funds alag-alag categories mein aate hain. Fund A Debt category mein hai, jabki Fund B Large Cap category mein hai. Aaj hum ye jaanna chahte hain ki kis fund ko long term mein invest karne se better returns milegi.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BMotilal Oswal Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 13.56 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.82% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.29 |
| Sharpe Ratio | 2.67 | 0.46 |
| 1 Year Return (%) | 4.95% | -1.96% |
| 3 Year Return (%) | 14.51% | 12.12% |
| 5 Year Return (%) | 12.09% | 12.11% |
| Since Launch (%) | N/A | 14.83% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 12 February 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Niket Shah (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% | 26% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai, Fund A hai better fund for long-term wealth creation. Iska reason hai 3Y return, jo hai 14.51%, aur expense ratio, jo hai 0.71%. Fund B ka 3Y return hai 12.12% aur expense ratio hai 0.82%, lekin riskometer Very High hai. Isse pata chalta hai ki Fund A ka riskometer Moderate hai aur yeh our verdict ke saath sabse zyada match karta 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 Motilal Oswal Large Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 12.12%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.46
📈 SIP Suitability
Sach ye hai, SIP ke liye Fund A better hai. Iska reason hai ki Fund A ka consistency aur return stability zyada hai. Fund B ka 1Y return negative hai, jabki Fund A ka 1Y return 4.95% hai. Isse pata chalta hai ki Fund A ki SIP shuru karne se better returns milegi.
⚠️ Risk & Cost Analysis
Lekin, riskometer aur volatility ke hisaab se Fund B riskier hai. Fund B ka riskometer Very High hai, jabki Fund A ka Moderate hai. Sharpe ratio ke hisaab se bhi Fund A better hai, jo hai 2.67, jabki Fund B ka 0.46 hai. Isse pata chalta hai ki Fund A ka risk-adjusted return better hai.
📊 Portfolio Diversification
Chaliye, portfolio diversification ke hisaab se dekhte hain. Fund A ka asset allocation hai Debenture 40%, SDL 30%, T-Bills 20%, aur GOI Sec 10%. Fund B ka asset allocation hai Equity 96% aur T-Bills 4%. Isse pata chalta hai ki Fund A ka portfolio diversification zyada hai. Fund B ka sector risk bhi zyada hai, kyunki top holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Motilal Oswal Large Cap Fund
₹1170031.49
@12.1% 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?
Answer: Fund A hai better fund for long-term wealth creation, kyunki uska 5Y return 12.09% hai aur expense ratio 0.71% hai.
Q2: Is the higher risk fund worth it?
Answer: Nahi, Fund B ka higher risk nahi worth hai. Uska riskometer Very High hai aur volatility 12.29 hai, jabki Fund A ka Moderate hai aur volatility 3 hai.
Q3: Which fund is more cost-effective?
Answer: Fund A hai more cost-effective, kyunki uska expense ratio 0.71% hai, jabki Fund B ka 0.82% 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