SBI Debt Fund vs Navi Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.7%
Chaliye, dekho, main aapko do funds ke baare mein batata hoon. Fund A hai SBI Debt Fund Direct Plan Growth, jo debt category mein hai, aur Fund B hai Navi Mutual Fund Large Cap Fund Direct Plan Growth, jo large cap category mein hai. Aaj hum aapko fund A aur B ke beech mein compare karenge aur dekhein ki kis fund ki long-term wealth creation ke liye better hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNavi Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.51 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.72 |
| Sharpe Ratio | 2.67 | 0.64 |
| 1 Year Return (%) | 4.95% | -4.02% |
| 3 Year Return (%) | 14.51% | 14.7% |
| 5 Year Return (%) | 12.09% | 12.03% |
| Since Launch (%) | N/A | 11.65% |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 30% |
🤖 AI Verdict – Which is Better?
Humaree verdict hai ki Fund B better hai long-term wealth creation ke liye. Iske liye hume 3Y return, expense ratio aur riskometer dekhne hain. Fund B ka 3Y return 14.7% hai, jo Fund A ka 14.51% se jyada hai. Expense ratio bhi Fund B ka 0.52% hai, jo Fund A ka 0.71% se kam hai. Riskometer bhi Fund B ka Very High hai, lekin yeh fund large cap category mein hai, jahan risk jyada hota hai. Haan, Fund B risk se bhi jyada return dete 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 Navi Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.51 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
SIP ke liye Fund B better hai. Iske liye hume consistency aur return stability dekhne hain. Fund B ka 1Y return -4.02% hai, lekin yeh fund large cap category mein hai, jahan return jyada unstable hota hai. Fund A ka 1Y return 4.95% hai, jo consistent hai. Haan, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility se dekhte hain ki Fund B kis tarah hai. Fund B ka riskometer Very High hai, lekin volatility bhi 12.72 hai. Fund A ka riskometer Moderate hai, lekin volatility 3 hai. Sharpe ratio bhi Fund A ka 2.67 hai, jo Fund B ka 0.64 se jyada hai. Expense ratio bhi Fund A ka 0.71% hai, jo Fund B ka 0.52% se jyada hai. Haan, Fund A better risk-adjusted returns dete hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration se dekhte hain ki Fund B kis tarah hai. Fund B ka asset allocation Equity 96.00% hai, jo T-Bills 4.00% se jyada hai. Fund A ka asset allocation Debenture 40.00% hai, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00%. Top holdings concentration bhi Fund B ka HDFC Bank Ltd 8.5% hai, ICICI Bank Ltd 7.8%, aur Reliance Industries Ltd 6.9%. Fund A ka top holdings concentration National Bank For Agriculture And Rural Development 5.8%, Power Finance Corporation Ltd 5.2%, aur Rural Electrification Corporation Ltd 4.9%. Haan, Fund A asset allocation mein aur bhi diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Navi Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 B ka 5Y return 12.03% hai, jo Fund A ka 12.09% se kam hai. Lekin Fund B ka 3Y return 14.7% hai, jo Fund A ka 14.51% se jyada hai. Haan, Fund A long run mein better returns dete hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer Very High hai, lekin volatility bhi 12.72 hai. Fund A ka riskometer Moderate hai, lekin volatility 3 hai. Sharpe ratio bhi Fund A ka 2.67 hai, jo Fund B ka 0.64 se jyada hai. Haan, Fund A better risk-adjusted returns dete hai.
Q3: Which fund is more cost‑effective?
Sach ye hai ki Fund B ka expense ratio 0.52% hai, jo Fund A ka 0.71% se kam hai. Haan, Fund B cost-effective 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