SBI Debt Fund vs Nippon India Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
20.63%
Ek baar fir se aaye hain hum Fund A aur Fund B ke beech ki comparison karne ke liye. Fund A mein SBI Debt Fund direct plan hai, jabki Fund B mein Nippon India Small Cap Fund direct plan hai. Dekho, kya yeh dono fund long-term mein apni performance ke hisaab se achhi chaliye. Ham aapko pata chalne mein madad karenge ki aapke paas kis fund mein invest karna chahiye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BNippon India Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Debt | Small Cap |
| NAV (₹) | 13.73 | 194.77 |
| AUM (₹ Cr) | 8.34 Lac Cr | 7.27 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.64% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 18.66 |
| Sharpe Ratio | 2.67 | 0.76 |
| 1 Year Return (%) | 4.95% | 5.69% |
| 3 Year Return (%) | 14.51% | 20.63% |
| 5 Year Return (%) | 12.09% | 21.91% |
| Since Launch (%) | N/A | 23.95% |
| 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; Samir Rachh (9.4 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Smallcap 250 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. (1.89%), Multi Commodity Exchange Of India Ltd. (1.76%), Bharat Heavy Electricals Ltd. (1.67%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.17% | CD: 0.21% |
| Portfolio Turnover | 150% | 32% |
🤖 AI Verdict – Which is Better?
Haan, iske baare mein sochne ke liye aapko kuchh data dekhni hoga. Fund A ne 3 saal mein 14.51% return diya hai, jabki Fund B ne 20.63% return diya hai. Lekin, expense ratio ka dhyan rakhna hoga. Fund A ke expense ratio 0.71% hai, jabki Fund B ke 0.64% hai. Dekhna hoga ki riskometer ka kya hai. Fund A ka riskometer moderate hai, jabki Fund B ka very high hai. Chaliye, Fund B ka 3 saal ka return jyada hai, lekin expense ratio kam hai. Sach ye hai, Fund B 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 Small Cap Fund?
- Expense ratio: 0.64%
- 3Y return: 20.63%
- AUM: 7.27 Lac Cr
- Sharpe Ratio: 0.76
📈 SIP Suitability
Ek monthly SIP ke liye, kis fund mein invest karna chahiye? Dekhna hoga ki Fund A ka 3 saal ka return stable hai, jabki Fund B ka jyada unstable hai. Fund A ka asset allocation bhi thoda stable hai, 40% debenture aur 30% SDL mein. Fund B ka asset allocation jyada unstable hai, 97% equity mein. Haan, yeh fund ek achha option hai monthly SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi ka dhyan rakhna hoga. Fund A ka riskometer moderate hai, jabki Fund B ka very high hai. Volatility ke hisaab se bhi Fund A jyada stable hai, 3 ke hisaab se. Fund B ka volatility 18.66 hai. Sharpe ratio ke hisaab se bhi Fund A jyada hi stable hai, 2.67 ke hisaab se. Fund B ka Sharpe ratio 0.76 hai. Chaliye, Fund A ke expense ratio jyada hai, 0.71% hai. Fund B ke expense ratio 0.64% hai. Dekhna hoga ki Fund A ka risk-adjusted return jyada hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka dhyan rakhna hoga. Fund A ka asset allocation stable hai, 40% debenture, 30% SDL, 20% T-Bills, aur 10% GOI Sec. Fund B ka asset allocation jyada unstable hai, 97% equity mein. Top holdings concentration ke hisaab se bhi Fund A jyada stable hai, 5.8% tak. Fund B ka top holdings concentration 1.89% tak hai. Haan, Fund A ka portfolio jyada diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Nippon India Small Cap Fund
₹1991813.86
@20.6% 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?
Long run mein, Fund B jyada achha return diya hai. 5 saal mein Fund B ne 21.91% return diya hai, jabki Fund A ne 12.09% return diya hai.
Q2: Is the higher risk fund worth it?
Haan, yeh fund worth hai. Fund B ka volatility jyada hai, lekin Sharpe ratio bhi jyada hai. Fund B ka Sharpe ratio 0.76 hai, jabki Fund A ka 2.67 hai. Yeh show karta hai ki Fund B ka risk-adjusted return jyada hai.
Q3: Which fund is more cost-effective?
Haan, Fund B jyada cost-effective hai. Fund B ka expense ratio 0.64% hai, jabki Fund A ka 0.71% hai. Yeh show karta hai ki Fund B jyada achha option hai cost-effective ke liye.
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