SBI Debt Fund vs Navi Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
20.86%
Mujhe khan hai ki aap dono fundon ka ek sambandhit comparison karne jaa rahe hain. Ye do funds Debt aur Multi Cap fund hain. Aaj humein in dono fundon ka ek jatil analysis karenge lekin aapko pata chalega ki kis fund mein long-term wealth creation ke liye investment karna accha hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 19.01 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 15 |
| Sharpe Ratio | 2.67 | 0.96 |
| 1 Year Return (%) | 4.95% | 5.23% |
| 3 Year Return (%) | 14.51% | 20.86% |
| 5 Year Return (%) | 12.09% | 11.52% |
| Since Launch (%) | N/A | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 500 Multicap 50:25:25 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 150% | 52% |
🤖 AI Verdict – Which is Better?
Haan, ab aayein fundon ka verdict karenge. Dekho, Fund B ka 3Y return 20.86% hai, jo Fund A ka 3Y return 14.51% se adhik hai. Lekin, yeh fund bahut high risk wala hai. Expense ratio bhi bahut high hai, 1.68%. Isliye, Fund A jyada accha fund hai jismein long-term wealth creation ke liye investment karna chahiye.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
SIP suitbility ke liye, humein Fund A ka consistency aur return stability dekhna chahiye. Fund A ka 1Y return 4.95% hai, jo Fund B ka 1Y return 5.23% se kam hai. Lekin, yeh fund adhik stable hai aur SIP mein investment karna accha lagta hai.
⚠️ Risk & Cost Analysis
Ab aayein riskometer, volatility, Sharpe ratio aur expense ratio ke liye. Fund A ka riskometer moderate hai, volatility 3 hai aur Sharpe ratio 2.67 hai. Iske baad, expense ratio 0.71% hai. Fund B ka riskometer very high hai, volatility 15 hai aur Sharpe ratio 0.96 hai. Iske baad, expense ratio 1.68% hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Ab aayein asset allocation aur top holdings concentration ke liye. Fund A ka asset allocation Debt sector mein hai, jismein debentures 40%, SDL 30%, T-Bills 20% aur GOI Sec 10% hai. Top holdings mein National Bank For Agriculture And Rural Development 5.8% hai. Fund B ka asset allocation Equity sector mein hai, jismein equity 97% hai. Top holdings mein HDFC Bank Ltd 6.5% hai. Isliye, Fund A adhik diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Navi Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai ki Fund A ka 5Y return 12.09% hai, jo Fund B ka 5Y return 11.52% se adhik hai. Isliye, Fund A long run mein better returns offer karta hai.
Q2: Is the higher risk fund worth it?
Haa, lekin Fund B ka volatility 15 hai, jisse risk bahut high hai. Sharpe ratio bhi 0.96 hai, jisse risk-adjusted returns kam hain. Isliye, Fund B ke liye investment karna khatarnaak ho sakta hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.71% hai, jo Fund B ka expense ratio 1.68% se kam hai. Isliye, Fund A 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