SBI Debt Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.55%
Ab hum aapko do fund ke beech mein mukhya antar dekhaange. SBI Debt Fund Debt category ka hai aur Motilal Oswal Liquid Fund Liquid Fund category ka hai. Ye pustak aapko unka vishleshan karne mein madad karegi.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 14.67 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 0.42 |
| 1 Year Return (%) | 4.95% | 5.84% |
| 3 Year Return (%) | 14.51% | 6.55% |
| 5 Year Return (%) | 12.09% | 5.76% |
| Since Launch (%) | N/A | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 20 December 2018 |
| 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 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% | 261% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki long-term wealth creation ke liye 3Y return, expense ratio, aur risk ka mukhy dhyan rakha jaata hai. Isme, Motilal Oswal Liquid Fund 5Y return ke liye 5.76% aur SBI Debt Fund ke liye 12.09% hai, lekin expense ratio mein Motilal Oswal Liquid Fund 0.12% aur SBI Debt Fund ke liye 0.71% hai. Riskometer mein bhi Motilal Oswal Liquid Fund Low hai aur SBI Debt Fund Moderate hai. Isliye, Motilal Oswal Liquid Fund long-term wealth creation ke liye behtar fund 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Monthly SIP ke liye 10+ saal ke liye, hum Motilal Oswal Liquid Fund ka vishleshan karenge. Is fund ne 1Y return mein 5.84% aur 3Y return mein 6.55% diya hai, jiske saath-saath yeh consistent return bhi de raha hai. SBI Debt Fund ke liye 1Y return 4.95% aur 3Y return 14.51% hai, lekin yeh bahut adhik volatility se ghira hua hai. Isliye, Motilal Oswal Liquid Fund monthly SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ka vishleshan karenge. Motilal Oswal Liquid Fund ke riskometer Low hai, volatility 0.12 hai, Sharpe ratio 0.42 hai, aur expense ratio 0.12% hai. SBI Debt Fund ke riskometer Moderate hai, volatility 3 hai, Sharpe ratio 2.67 hai, aur expense ratio 0.71% hai. Isliye, Motilal Oswal Liquid Fund me se risk-ajast return better hai.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ka vishleshan karenge. SBI Debt Fund me Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00% hai. Motilal Oswal Liquid Fund me T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai. Isliye, Motilal Oswal Liquid Fund me asset allocation behtar hai aur sector risk kam hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 Motilal Oswal Liquid Fund 5Y return ke liye 5.76% aur SBI Debt Fund ke liye 12.09% hai, lekin expense ratio mein Motilal Oswal Liquid Fund behtar hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Motilal Oswal Liquid Fund ki volatility 0.12 hai aur Sharpe ratio 0.42 hai, jiske saath-saath riskometer bhi Low hai. Isliye, Motilal Oswal Liquid Fund behtar fund hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Motilal Oswal Liquid Fund ke expense ratio 0.12% hai, jiske saath-saath SBI Debt Fund ke expense ratio 0.71% hai. Isliye, Motilal Oswal Liquid Fund cost-effective fund 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