SBI Debt Fund vs Old Bridge Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.7%
Arre, dekho! Aaj hum do mutual funds ke beech ka comparison kar rahe hain. Fund A, SBI Debt Fund hai, jiska category Debt hai, aur Fund B, Old Bridge Mutual Fund Large Cap Fund hai, jiska category Large Cap hai. Aaj hum jaanege ki Fund A aur Fund B mein se kisne acchi returns di hai, risk ke liye kitna mazboot hai, aur expense ratio kitna hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.62 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.89 |
| Sharpe Ratio | 2.67 | 0.69 |
| 1 Year Return (%) | 4.95% | -4.02% |
| 3 Year Return (%) | 14.51% | 14.7% |
| 5 Year Return (%) | 12.09% | 12.03% |
| Since Launch (%) | N/A | 11.65% |
| 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) | Sonam Udasi; Amey Sathe (9.2 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 150% | 22% |
🤖 AI Verdict – Which is Better?
Haan, humne dekha hai ki Fund A ka 3Y return 14.51% hai, jo Fund B se zyada hai. Lekin, Fund B ka expense ratio 0.52% hai, jo Fund A se kam hai. Aur Fund A ka riskometer Moderate hai, jo Fund B se kam risk hai. To, hum jaante hain ki Fund A long-term mein acchi returns deti hai aur kam risk karta hai, toh yeh aapke liye better option 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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.62 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Chaliye, hum SIP ke liye fund ki suitability jaanne ke liye dekhte hain. Fund A ka 1Y return 4.95% hai, jiska 3Y return 14.51% hai. Fund B ka 1Y return -4.02% hai, jiska 3Y return 14.7% hai. Lekin, Fund A ka consistency aur return stability Fund B se zyada hai. To, Fund A aapke liye SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye hum Fund A aur Fund B ka comparison karte hain. Fund A ka riskometer Moderate hai, jo Fund B se kam risk hai. Fund A ka volatility 3 hai, aur Sharpe ratio 2.67 hai. Fund B ka volatility 11.89 hai, aur Sharpe ratio 0.69 hai. Lekin, Fund A ka expense ratio 0.71% hai, jo Fund B se kam hai. To, Fund A better risk-adjusted returns deti hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum Fund A aur Fund B ka comparison karte hain. Fund A ka asset allocation Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00% hai. Fund B ka asset allocation Equity 96.00%, aur T-Bills 4.00% hai. Fund A ka top holdings concentration zyada kam hai, jo Fund B se kam risk hai. Lekin, Fund B ka sector risk Fund A se zyada hai. To, Fund A portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Old Bridge Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Sach ye hai, Fund A ka 5Y return 12.09% hai, jiska 3Y return 14.51% hai, jo Fund B se zyada hai. To, Fund A aapke liye long run mein better returns deti hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin yeh Fund A ke expense ratio se kam hai. Lekin, Fund B ka volatility 11.89 hai, jo Fund A se zyada hai. To, yeh sunishchit karein ki aap Fund B ka jatil risk ko sahi se manage kar sakte hain.
Q3: Which fund is more cost-effective?
Chaliye, Fund A ka expense ratio 0.71% hai, jo Fund B se kam hai. To, Fund A aapke liye 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