SBI Debt Fund vs Navi Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.93%
Ab hum aapko do mutual funds ke beech ka comparison karne ja raha hain - SBI Debt Fund aur Navi Mutual Fund Liquid Fund. Hum aapko yeh jaanne ke liye yaha padhne ka sahi hain ki kya fund long term wealth creation ke liye aapke liye better hai.
[VERDICT]| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.13 |
| Sharpe Ratio | 2.67 | 3.31 |
| 1 Year Return (%) | 4.95% | 6.17% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Navi Mutual Fund Liquid Fund long term wealth creation ke liye aapke liye better hai. Yeh fund 3Y return mein 6.93% ka return deta hai, lekin expense ratio 0.12% hi hai. Isi tarah, SBI Debt Fund ka 3Y return 14.51% hai, lekin expense ratio 0.71% hai. Dekho, expense ratio mein bahut jyada farq hai. Haan, SBI Debt Fund ki riskometer moderate hai, lekin Navi Mutual Fund Liquid Fund ki riskometer low hai. Chaliye, hum aapko SIP suitablity ke baare mein bhi jaanne jaenge.
[SIP_SUITABILITY]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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SBI Debt Fund ki 3Y return aur 5Y return mein bahut vishwas hai, lekin expense ratio aur consistency ke maamle mein Navi Mutual Fund Liquid Fund aapke liye better hai. Navi Mutual Fund Liquid Fund ka expense ratio kam hai aur consistency ke maamle mein bhi vishwas hai, lekin SBI Debt Fund ki 3Y return aur 5Y return mein bahut vishwas hai. Haan, SBI Debt Fund ki riskometer moderate hai, lekin Navi Mutual Fund Liquid Fund ki riskometer low hai. Dekho, Navi Mutual Fund Liquid Fund aapke liye SIP ke liye better hai.
[RISK_COST]⚠️ Risk & Cost Analysis
SBI Debt Fund ki riskometer moderate hai, lekin Navi Mutual Fund Liquid Fund ki riskometer low hai. Volatility ke maamle mein bhi Navi Mutual Fund Liquid Fund aapke liye better hai. Sharpe ratio mein bhi Navi Mutual Fund Liquid Fund aapke liye better hai. Haan, SBI Debt Fund ka expense ratio bahut jyada hai. Dekho, Navi Mutual Fund Liquid Fund aapke liye better hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
SBI Debt Fund ki asset allocation mein debenture 40% hai, SDL 30% hai, T-bills 20% hai, aur GOI sec 10% hai. Navi Mutual Fund Liquid Fund ki asset allocation mein T-bills 65% hai, CD 20% hai, CP 10% hai, aur cash 5% hai. Haan, SBI Debt Fund ki top holdings concentration mein National Bank for Agriculture and Rural Development 5.8%, Power Finance Corporation Ltd 5.2%, aur Rural Electrification Corporation Ltd 4.9% hai. Dekho, Navi Mutual Fund Liquid Fund ki asset allocation mein T-bills ki concentration zyada hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Navi Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Navi Mutual Fund Liquid Fund aapke liye better hai, kyunki yeh fund 5Y return mein 6.11% ka return deta hai, jiska 3Y return 6.93% hai.
Q2: Is the higher risk fund worth it?
Nahi, SBI Debt Fund ki volatility 3 hai, jiska Sharpe ratio 2.67 hai, lekin Navi Mutual Fund Liquid Fund ki volatility 0.13 hai, jiska Sharpe ratio 3.31 hai.
Q3: Which fund is more cost-effective?
Navi Mutual Fund Liquid Fund aapke liye better hai, kyunki yeh fund ka expense ratio 0.12% hai, jiska SBI Debt Fund ka expense ratio 0.71% 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