SBI Debt Fund vs Old Bridge Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.93%
Haan, dekho! Today, we are going to compare two popular funds, SBI Debt Fund and Old Bridge Mutual Fund Liquid Fund. While Debt Fund is a long-term investment option, Liquid Fund is a short-term investment. Chaliye, let's dive into the details of these funds and find out which one is better for you.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.73 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 3.58 |
| 1 Year Return (%) | 4.95% | 6.17% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 50.63% |
| 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) | N/A |
| 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%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 150% | 239% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, Fund A, SBI Debt Fund, is better than Fund B, Old Bridge Mutual Fund Liquid Fund. This is because of its higher 3Y return (14.51%) and lower expense ratio (0.71%). However, Fund B has a lower riskometer, which is a good thing for risk-averse investors. Lekin, for long-term wealth creation, Fund A is the clear winner.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Dekho, if you are planning to invest through a Systematic Investment Plan (SIP) for 10+ years, Fund A is more suitable. This is because it has a higher 3Y return (14.51%) and lower volatility (3) compared to Fund B. Fund B, on the other hand, has a lower expense ratio (0.12%), which is a good thing for long-term SIP investors. However, Fund A's higher returns make it a better choice for long-term growth.
⚠️ Risk & Cost Analysis
Now, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A has a moderate riskometer, while Fund B has a low riskometer. However, Fund A has a higher volatility (3) compared to Fund B (0.12). Lekin, Fund A's Sharpe ratio (2.67) is higher than Fund B's (3.58). In terms of expense ratio, Fund B (0.12%) is cheaper than Fund A (0.71%). Sach ye hai, Fund A offers better risk-adjusted returns, but Fund B is more cost-effective.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation of both funds. Fund A has an asset allocation of Debenture (40.00%), SDL (30.00%), T-Bills (20.00%), and GOI Sec (10.00%), while Fund B has an asset allocation of T-Bills (65.00%), CD (20.00%), CP (10.00%), and Cash (5.00%). Both funds have a diversified portfolio, but Fund A has a higher concentration in Debenture (40.00%) and SDL (30.00%). Fund B, on the other hand, has a higher concentration in T-Bills (65.00%). Sach ye hai, Fund A has sector risk due to its higher concentration in SDL.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% 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, SBI Debt Fund, gives better returns in the long run. Its 5Y return is 12.09%, while Fund B's 5Y return is 6.11%.
Q2: Is the higher risk fund worth it?
Haan, if you are looking for higher returns, Fund A is worth it. Its Sharpe ratio (2.67) is higher than Fund B's (3.58), which means it offers better risk-adjusted returns. Lekin, if you are risk-averse, Fund B is a safer option.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B is more cost-effective. Its expense ratio is 0.12%, while Fund A's expense ratio is 0.71%. Lekin, Fund A offers better risk-adjusted returns, which may be worth the higher expense ratio.
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