SBI Debt Fund vs Old Bridge Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
12.3%
Today, humein do mutual funds ke beech ka comparison karna hai - SBI Debt Fund aur Old Bridge Mutual Fund ka. Ye dono funds alag-alag categories mein aate hain. SBI Debt Fund debt category mein hai, jabki Old Bridge Mutual Fund Balanced Hybrid category mein hai. Aaj, humein in dono funds ke 1Y, 3Y aur 5Y returns ke alawa expense ratio, riskometer aur volatility ke baare mein bhi jaanne ki zarurat hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Debt | Balanced Hybrid |
| NAV (₹) | 13.73 | 16.39 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.58 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.78% |
| Riskometer | Moderate | Moderately High |
| Volatility | 3 | 9.11 |
| Sharpe Ratio | 2.67 | 0.64 |
| 1 Year Return (%) | 4.95% | 3.08% |
| 3 Year Return (%) | 14.51% | 12.3% |
| 5 Year Return (%) | 12.09% | 5.27% |
| Since Launch (%) | N/A | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 50 Hybrid Composite Debt 65:35 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. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 150% | 145% |
🤖 AI Verdict – Which is Better?
Sach ye hai, agar long-term wealth creation ka mudda hai, to SBI Debt Fund better option hai. Iska 3Y return 14.51% hai, jiska 5Y return 12.09% hai. Expense ratio 0.71% hai, jo thoda sa chhota hai. Riskometer Moderate hai, jisse lagta hai ki fund moderate risk mein hai. Haan, lekin volatility 3 hai, jisse fund kam jatil 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 Old Bridge Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.58 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Koi bhi naye investor SBI Debt Fund ke liye SIP ka option chun sakta hai. Iska 3Y return bahut accha hai, aur expense ratio thoda sa chhota hai. Lekin, agar tumhe long-term wealth creation ka mudda hai, to tum dekh sakte hain ki Old Bridge Mutual Fund bhi ek acchi option hai. Haan, lekin iska 3Y return kam hai, aur expense ratio bhi kam nahi hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke mudda par humein dekhna hai ki SBI Debt Fund ka riskometer Moderate hai, aur volatility 3 hai. Iske alawa, Sharpe ratio bhi 2.67 hai, jisse lagta hai ki fund bahut accha perfrom karta hai. Lekin, Old Bridge Mutual Fund ka riskometer Moderately High hai, aur volatility bhi 9.11 hai. Sharpe ratio bhi kam hai, 0.64 hai. Haan, lekin expense ratio Old Bridge Mutual Fund ka kam hai, 0.78% hai.
📊 Portfolio Diversification
SBI Debt Fund ka asset allocation bahut diverse hai, ismein Debenture 40%, SDL 30%, T-Bills 20% aur GOI Sec 10% hai. Top 3 holdings mein National Bank For Agriculture And Rural Development 5.8%, Power Finance Corporation Ltd. 5.2% aur Rural Electrification Corporation Ltd. 4.9% hai. Haan, lekin Old Bridge Mutual Fund ka asset allocation alag hai, ismein Equity 65%, Debt 30% aur T-Bills 5% hai. Top 3 holdings mein HDFC Bank Ltd. 6.8%, ICICI Bank Ltd. 5.5% aur Reliance Industries Ltd. 4.5% hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Old Bridge Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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?
SBI Debt Fund ka 5Y return 12.09% hai, jiska 3Y return 14.51% hai. Ye dono returns Old Bridge Mutual Fund se bade hain, jiska 5Y return 5.27% hai, aur 3Y return 12.3% hai.
Q2: Is the higher risk fund worth it?
Haan, agar tumhe high returns chahiye, to tum Old Bridge Mutual Fund ka option chun sakte hain. Lekin, volatility 9.11 hai, jisse tumhara investment kam secure nahi hoga. Sharpe ratio bhi kam hai, 0.64 hai. Haan, lekin tum dekh sakte hain ki tumhare investment ke risk ko tum accept kar sakte hain.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jo Old Bridge Mutual Fund ke expense ratio 0.78% se kam hai. Haan, lekin tum dekh sakte hain ki tumhare investment ke risk ko tum accept kar sakte hain, aur tum expense ratio ka option chun sakte hain.
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