SBI Debt Fund vs Nippon India Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
19.38%
Ab hum ek comparison kar rahe hain Fund A aur Fund B ki. Fund A ek debt fund hai, jabki Fund B ek multi cap fund hai. Aaj hum dekheinge ki kis fund mein aapko investment karna chahiye. Hamari analysis mein 3Y return, expense ratio, aur riskometer ka vishleshan hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNippon India Multi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 327.56 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.26 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.84% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.38 |
| Sharpe Ratio | 2.67 | 0.9 |
| 1 Year Return (%) | 4.95% | 1.81% |
| 3 Year Return (%) | 14.51% | 19.38% |
| 5 Year Return (%) | 12.09% | 20.94% |
| Since Launch (%) | N/A | 15.99% |
| 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; Kinjal Desai; Sailesh Raj Bhan (13.4 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. (6.16%), ICICI Bank Ltd. (4.1%), Axis Bank Ltd. (3.41%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 99.5% |
| Portfolio Turnover | 150% | 89% |
🤖 AI Verdict – Which is Better?
sach ye hai ki Fund A mein 3Y return 14.51% hai, jabki Fund B mein 19.38% hai. Lekin expense ratio mein Fund B 0.84% hai jabki Fund A mein 0.71% hai. Chaliye hum dekheinge ki riskometer ka vishleshan karte hue Fund A kyun hi acha 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 Multi Cap Fund?
- Expense ratio: 0.84%
- 3Y return: 19.38%
- AUM: 5.26 Lac Cr
- Sharpe Ratio: 0.9
📈 SIP Suitability
Haan, SIP k liye Fund A acha fund hai. Iska 1Y return 4.95% hai aur 3Y return 14.51% hai. Fund B ka 1Y return 1.81% hai, lekin 3Y return 19.38% hai. Lekin Fund B ka riskometer very high hai, jiska matlab hai ki risk badi hai. Dekho, Fund A ka 3Y return thoda kam hai, lekin risk moderate hi hai.
⚠️ Risk & Cost Analysis
Volatility mein Fund B ka risk badi hai, jiska matlab hai ki risk thoda bada hai. Lekin Sharpe ratio mein Fund A acha hai, jiska matlab hai ki risk-adjusted return thoda bada hai. Expense ratio mein bhi Fund A acha hai, jiska matlab hai ki investment karna thoda cost-effective hai.
📊 Portfolio Diversification
Asset allocation mein Fund A ka asset allocation thoda bada hai, jiska matlab hai ki diversified portfolio hai. Fund B ka asset allocation Equity mein 99.5% hai, jiska matlab hai ki sector risk badi hai. Dekho, Fund A ka top holdings concentration thoda kam hai, jiska matlab hai ki diversified portfolio hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Nippon India Multi Cap Fund
₹1836667.31
@19.4% 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 ka 5Y return 20.94% hai aur 3Y return 19.38% hai, lekin Fund A ka 5Y return 12.09% hai aur 3Y return 14.51% hai. Lekin Fund B ka riskometer very high hai, jiska matlab hai ki risk badi hai.
Q2: Is the higher risk fund worth it?
Answer: Nahin, Fund B ka riskometer very high hai, jiska matlab hai ki risk badi hai. Sharpe ratio mein bhi Fund A acha hai, jiska matlab hai ki risk-adjusted return thoda bada hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.71% hai, jiska matlab hai ki investment karna thoda 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