SBI Debt Fund vs Nippon India Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
15.4%
Baatein banati hain, hum do aam aur acche investment options ke bare mein. Fund A hai SBI Debt Fund Direct Plan, aur Fund B hai Nippon India Large Cap Fund Direct Plan. Dekho, yeh do fund kya hain aur unke 3Y returns ke baare mein. Is article mein, hum dekhenge ki unme se kis fund better hai long-term wealth creation ke liye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNippon India Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 98.75 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.17 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.8% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.25 |
| Sharpe Ratio | 2.67 | 0.73 |
| 1 Year Return (%) | 4.95% | -0.91% |
| 3 Year Return (%) | 14.51% | 15.4% |
| 5 Year Return (%) | 12.09% | 16.46% |
| Since Launch (%) | N/A | 15.3% |
| 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) | Amber Singhania; Bhavik Dave; Kinjal Desai; Sailesh Raj Bhan (13.4 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | BSE 100 Total Return 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%) | HDFC Bank Ltd. (9.24%), ICICI Bank Ltd. (7.99%), Reliance Industries Ltd. (4.3%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 96.43% |
| Portfolio Turnover | 150% | 70% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ki 3Y return 15.4% hai, jo Fund A ki 14.51% se behtar hai. Lekin, expense ratio ke mukabale mein Fund B ka 0.8% kam hai Fund A ka 0.71%. Riskometer ke mukabale mein, Fund B kehna hai Very High, jo Fund A ka Moderate hai. Haan, Fund B ke 3Y return aur lower expense ratio ke saath, yeh fund better hai long-term wealth creation ke liye.
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 Large Cap Fund?
- Expense ratio: 0.8%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Kya SIP ke liye Fund A ya Fund B better hai? Fund A ki 3Y return stable hai, lekin Fund B ki 1Y return thoda kam hai. Lekin, Fund B ki consistency aur return stability ke liye, yeh fund better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke mukabale mein, Fund B ki risk-adjusted return behtar hai. Fund B ka riskometer Very High hai, lekin Sharpe ratio 0.73 hai. Fund A ka riskometer Moderate hai, lekin Sharpe ratio 2.67 hai. Haan, Fund B ka expense ratio kam hai Fund A ka.
📊 Portfolio Diversification
Fund A ka asset allocation 40% Debenture, 30% SDL, 20% T-Bills, aur 10% GOI Sec hai. Fund B ka asset allocation 96.43% Equity hai. Haan, Fund A ka asset allocation behtar hai diversified ke liye. Lekin, Fund B ka asset allocation more sector risk hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Nippon India Large Cap Fund
₹1428138.45
@15.4% 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?
Answer: Fund B ki 5Y return 16.46% hai, joh Fund A ki 12.09% se behtar hai.
Q2: Is the higher risk fund worth it?
Answer: Fund B ki higher risk se behtar return hai, lekin volatility bhi zyada hai. Sharpe ratio ke mukabale mein, Fund A behtar hai.
Q3: Which fund is more cost‑effective?
Answer: Fund B ka expense ratio 0.8% kam hai Fund A ka 0.71%, aur yeh fund 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