SBI Debt Fund vs Old Bridge Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
1.9%
Dekho, aaj hum do mutual funds ko compare karenge. Fund A SBI Debt Fund hai aur Fund B Old Bridge Mutual Fund Multi Cap Fund. Ye dono alag-alag categories mein hain - Debt aur Multi Cap. Aaj hum jaante hain ki in donon funds mein invest karna kitna mast hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 8.38 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.89 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.85 |
| Sharpe Ratio | 2.67 | 1.82 |
| 1 Year Return (%) | 4.95% | -11.42% |
| 3 Year Return (%) | 14.51% | 1.9% |
| 5 Year Return (%) | 12.09% | 1.13% |
| Since Launch (%) | N/A | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 6 November 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 150% | 38% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund A better hai. Iska 3Y return 14.51% hai, jo Fund B se adhik hai. Lekin expense ratio 0.71% hai, jo kam hai Fund B ke 1.68% se. Aur riskometer Moderate hai, jo bahut accha hai. Haan, Fund A ki 3Y return kam hai Fund B ke 1.9% se, lekin iska expense ratio kam hai aur riskometer bhi accha 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 1.9%
- AUM: 1.89 Lac Cr
- Sharpe Ratio: 1.82
📈 SIP Suitability
SIP ke liye Fund A better hai. Iska 1Y return 4.95% hai, jo kam hai Fund B ke -11.42% se. Lekin consistency aur return stability ke liye Fund A accha hai. Iska 5Y return 12.09% hai, jo adhik hai Fund B ke 1.13% se. Chaliye, SIP ke liye Fund A accha option hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabke liye hum Fund A aur Fund B ko compare karenge. Fund A ki riskometer Moderate hai, jo bahut accha hai. Volatility 3 hai, jo kam hai Fund B ke 13.85 se. Sharpe ratio 2.67 hai, jo adhik hai Fund B ke 1.82 se. Expense ratio 0.71% hai, jo kam hai Fund B ke 1.68% se. Haan, Fund A ki risk-adjusted returns better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum Fund A aur Fund B ko compare karenge. Fund A ka asset allocation Debenture 40.00%, SDL 30.00%, T-Bills 20.00% aur GOI Sec 10.00% hai. Top 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. Fund B ka asset allocation Equity 97.00% aur T-Bills 3.00% hai. Top holdings mein HDFC Bank Ltd. 6.5%, ICICI Bank Ltd. 5.8% aur Reliance Industries Ltd. 4.9% hai. Chaliye, Fund A ka asset allocation aur top holdings concentration better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Old Bridge Mutual Fund Multi Cap Fund
₹661259.80
@1.9% 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, long run mein Fund A better hai. Iska 5Y return 12.09% hai, jo Fund B ke 1.13% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki higher risk worth hai. Iska Sharpe ratio 1.82 hai, jiski compare mein Fund A ki risk-adjusted returns better hai.
Q3: Which fund is more cost-effective?
Haan, Fund A cost-effective hai. Iska expense ratio 0.71% hai, jo Fund B ke 1.68% se kam 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