SBI Debt Fund vs Nippon India Growth Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
25.15%
Dekho, aaj hum do anjaamdar bhavishya nivesh fundon ke beech ka sanvad kar rahe hain. Fund A hain SBI Debt Fund Direct Plan Growth aur Fund B hai Nippon India Growth Mid Cap Fund Direct Plan Growth. Ye do fund kis category mein aate hain aur kya ye unke vartman return, kharcha aur jatilata ke bare mein kuchh vishesh baatein hai, yeh humein yahaan dekhne ko milega.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNippon India Growth Mid Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Debt | Mid Cap |
| NAV (₹) | 13.73 | 4845.02 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.58 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.26% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 15.97 |
| Sharpe Ratio | 2.67 | 1.17 |
| 1 Year Return (%) | 4.95% | 10.17% |
| 3 Year Return (%) | 14.51% | 25.15% |
| 5 Year Return (%) | 12.09% | 22.32% |
| Since Launch (%) | N/A | 18.36% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Amber Singhania; Kinjal Desai; Rupesh Patel (8.0 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Midcap 150 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%) | BSE Ltd. (4.21%), Fortis Healthcare Ltd. (2.76%), The Federal Bank Ltd. (2.57%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 98.55% |
| Portfolio Turnover | 150% | 74% |
🤖 AI Verdict – Which is Better?
Chaliye, hum pahle kuchh baaton ko dekhte hain. Fund A ki 3 varsh kaa return hai 14.51%, jabki Fund B ki 10.17% hai. Lekin, expense ratio mein Fund B kam se kam hai. Haan, Fund B ka riskometer Very High hai, jabki Fund A ki Moderate hai. Sach ye hai, Fund B ka risk bhi zyada hai. Lekin, agar aap long-term wealth creation ke liye invest karte hain, toh Fund A aapke 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 Nippon India Growth Mid Cap Fund?
- Expense ratio: 1.26%
- 3Y return: 25.15%
- AUM: 4.58 Lac Cr
- Sharpe Ratio: 1.17
📈 SIP Suitability
SIP suitabilty ka dhyan rakhkar, hum dekhte hain ki Fund A aur Fund B ke 3 varsh ke return mein kya farq hai. Fund A ki return ka stability aur consistency Fund B ke compare mein kam hai. Lekin, agar aapko long-term invest karna hai, toh Fund A aapke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke anusaar, Fund A ka riskometer Moderate hai, jiska matalab hai ek sahi aur stable fund hai. Fund B ka riskometer Very High hai, jiska matalab hai zyada jatilata aur risk hai. Haan, Fund B ka expense ratio Fund A ke compare mein kam hai. Lekin, agar aap risk-adjusted return ke liye invest karte hain, toh Fund A aapke liye behtar fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke anusaar, Fund A ki asset allocation 40% debenture, 30% SDL aur 20% T-Bills mein hai. Fund B ki asset allocation 98.55% equity mein hai. Haan, Fund A ka asset allocation Fund B ke compare mein kam concentration hai. Lekin, Fund A ka asset allocation Fund B ke compare mein kam diversified hai. Sach ye hai, Fund A ka asset allocation Fund B ke compare mein kam sector risk hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Nippon India Growth Mid Cap Fund
₹2691264.97
@25.1% 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?
Fund A ki 5 varsh ke return 12.09% hai, jiska matalab hai ki Fund A long term mein aapke liye better fund hai.
Q2: Is the higher risk fund worth it?
Fund B ka riskometer Very High hai, jiska matalab hai ki Fund B ka risk bhi zyada hai. Haan, Fund B ka Sharpe ratio Fund A ke compare mein kam hai, jiska matalab hai ki Fund B ka risk-adjusted return Fund A ke compare mein kam hai. Sach ye hai, Fund B ka higher risk fund nahi hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.71% hai, jiska matalab hai ki Fund A aapke liye cost-effective hai. Haan, Fund B ka expense ratio Fund A ke compare mein kam hai. Lekin, agar aap expense ratio ke liye invest karte hain, toh Fund A aapke liye better 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