SBI Debt Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.96%
Aaj hum dekhenge do mutual funds ke beech ka comparison. Fund A SBI Debt Fund hai, jiska category debt hai aur Fund B Nippon India Liquid Fund hai, jiska category liquid hai. Dekho, kya Fund A long-term wealth creation ke liye behtar hai ya Fund B?
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Debt | Liquid |
| NAV (₹) | 13.73 | 6813.87 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.2% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 3.83 |
| 1 Year Return (%) | 4.95% | 6.21% |
| 3 Year Return (%) | 14.51% | 6.96% |
| 5 Year Return (%) | 12.09% | 6.14% |
| Since Launch (%) | N/A | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 years yrs) |
| 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 150% | 260% |
🤖 AI Verdict – Which is Better?
Haan, hum aaj Fund A aur Fund B ke beech ka comparison karne ja rahe hain. Fund A ki 3Y return 14.51% hai, jo Fund B ke 6.96% se bahut alag hai. Lekin, Fund A ka expense ratio 0.71% hai, jo Fund B ka 0.2% se zyada hai. Riskometer ke hisab se, Fund A moderate risk wala hai, jabki Fund B low risk wala hai. Sach ye hai, Fund B long-term wealth creation ke 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 Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Monthly SIP ke liye Fund A ya Fund B? Dekho, Fund B ki consistency aur return stability Fund A se zyada hai. Fund B ki 1Y return 6.21% hai, jo Fund A ki 4.95% se zyada hai. Isliye, Fund B monthly SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Ab hum Fund A aur Fund B ke riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karenge. Fund A ka riskometer moderate hai, jabki Fund B ka low hai. Fund A ka volatility 3 hai, jo Fund B ka 0.12 se zyada hai. Lekin, Fund A ka Sharpe ratio 2.67 hai, jo Fund B ka 3.83 se behtar hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Ab hum Fund A aur Fund B ke asset allocation aur top holdings concentration ka comparison karenge. Fund A ka asset allocation debenture, SDL, T-Bills, aur GOI Sec mein hai. Fund B ka asset allocation CP, CD, T-Bills, aur debenture mein hai. Fund B ka asset allocation Fund A se zyada diversified hai. Isliye, Fund B sector risk se bachne ke liye behtar hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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 6.14% hai, jo Fund A ki 12.09% se zyada hai. Isliye, Fund B long run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
Answer: Fund A ka volatility 3 hai, jo Fund B ka 0.12 se zyada hai. Lekin, Fund A ka Sharpe ratio 2.67 hai, jo Fund B ka 3.83 se behtar hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.2% hai, jo Fund A ka 0.71% se zyada hai. Isliye, Fund B 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