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%
Dekho, aaj hum do funds ke beech ka comparison karne ja rhe hain: SBI Debt Fund aur Nippon India Large Cap Fund. Ye dono funds alag-alag categories ke under hain aur inka investment style bhi alag-alag hai. Chaliye, aapko is article mein ye jaanne ke liye kuch khas baatein batayenge. Fund A Debt hai, jabki Fund B Large Cap hai. Fund A mein aapko return ki jaankari milne wali hai, lekin Fund B ke returns ki aapko kuch saari jaankari nahi mil rahi hai. Isliye, humein Fund A ke returns ki jaankari se hi ye comparison karna hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNippon India Large Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 42.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.17 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.56% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.27 |
| 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% | 3.31% |
| Since Launch (%) | N/A | 12.7% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 29 November 2012 |
| 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 | 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. (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?
Haan, Fund A aur Fund B ke beech ka comparison karte hue, hum dekh rahe hain ki Fund A 3Y return ke hisab se bahut hi achha performance diya hai. Fund A ka expense ratio bhi Fund B ke expense ratio se kam hai. Lekin Fund B ka Riskometer bahut hi high hai, jisse investment ke risk ki jaankari mil rahi hai. Sach ye hai ki Fund A moderate risk ke under aata hai, jabki Fund B very high risk ke under aata hai. Isliye, hum Fund A ko long-term wealth creation ke liye better fund maante hain.
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: 1.56%
- 3Y return: 15.4%
- AUM: 5.17 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Chaliye, aapko jaanne ke liye ki Fund A aur Fund B ke beech SIP suitability kya hai. Fund A ki consistency aur return stability Fund B se bahut hi acchi hai. Fund A ka 1Y return -4.95% hai, jabki Fund B ka 1Y return -0.91% hai. Isliye, Fund A ki SIP aur long-term investment ke liye accha fund hai.
⚠️ Risk & Cost Analysis
Haan, ab hum Fund A aur Fund B ke riskometer, volatility, Sharpe ratio, aur expense ratio ke beech ka comparison karte hain. Fund A ka riskometer moderate hai, jabki Fund B ka very high hai. Fund A ki volatility bhi Fund B ki volatility se kam hai. Sharpe ratio ke hisab se bhi Fund A Fund B se accha hai. Isliye, Fund A ke expense ratio se Fund B ke expense ratio ki comparison karna ek accha fund hai.
📊 Portfolio Diversification
Chaliye, aapko jaanne ke liye ki Fund A aur Fund B ke asset allocation aur top holdings concentration ke beech ka comparison karte hain. Fund A ka asset allocation mein Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00% hai. Fund B ka asset allocation mein Equity 96.43% hai. Isliye, Fund A ka portfolio diversification Fund B se accha 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 A ka 3Y return 14.51% hai, jiski tule Fund B ka 3Y return 15.4% hai. Isliye, Fund B fund better returns diya hai long-run mein.
Q2: Is the higher risk fund worth it?
Answer: Fund B ka riskometer very high hai, jisse investment ke risk ki jaankari mil rahi hai. Fund B ki volatility bhi Fund A ki volatility se kam hai. Sharpe ratio ke hisab se bhi Fund A Fund B se accha hai. Isliye, Fund A ke expense ratio se Fund B ke expense ratio ki comparison karna ek accha fund hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.71% hai, jabki Fund B ka expense ratio 1.56% hai. Isliye, Fund A more 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