SBI Debt Fund vs PPFAS 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%
Chaliye, aaj hum ek compare karne ja rahe hain do niji fondon ke beech, SBI Debt Fund aur PPFAS Large Cap Fund. Ye donon fund alag-alag categories mein aate hain - ek debt aur dusra large cap. Aaj hum dekhega ki ye dono fund long-term wealth creation ke liye kaise perform karte hain. Sach ye hai, aapko maloom hone wala hai ki aapke investment ke liye kis fund ki zaroorat hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BPPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.44 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.07 |
| Sharpe Ratio | 2.67 | 0.68 |
| 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) | Rajeev Thakkar (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum dekhne ja rahe hain ki long-term wealth creation ke liye kis fund better hai. Dekho, SBI Debt Fund ke 3Y return 14.51% hain, jabki PPFAS Large Cap Fund ke 3Y return 14.7% hain. Lekin, SBI Debt Fund ke expense ratio 0.71% hain, jabki PPFAS Large Cap Fund ke expense ratio 0.52% hain. Aur, SBI Debt Fund ke riskometer moderate hai, jabki PPFAS Large Cap Fund ke riskometer very high hai. Sach ye hai, PPFAS Large Cap Fund long-term wealth creation ke liye better 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 PPFAS Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.44 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
SIP ke maamle mein, SBI Debt Fund aur PPFAS Large Cap Fund donon hi suitable hain. Lekin, PPFAS Large Cap Fund ke consistency aur return stability ke liye, sip invest karne ke liye better hai. Dekho, SBI Debt Fund ke 1Y return 4.95% hain, jabki PPFAS Large Cap Fund ke 1Y return -4.02% hain. Lekin, PPFAS Large Cap Fund ke 3Y aur 5Y return bahut acche hain. Sach ye hai, PPFAS Large Cap Fund ke liye SIP invest karne se aapko better returns mil sakte hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke maamle mein, SBI Debt Fund aur PPFAS Large Cap Fund donon hi alag-alag hain. Dekho, SBI Debt Fund ke riskometer moderate hai, jabki PPFAS Large Cap Fund ke riskometer very high hai. Lekin, PPFAS Large Cap Fund ke volatility 12.07 hai, jabki SBI Debt Fund ke volatility 3 hai. Sharpe ratio ke maamle mein, PPFAS Large Cap Fund 0.68 hai, jabki SBI Debt Fund 2.67 hai. Expense ratio ke maamle mein, PPFAS Large Cap Fund 0.52% hai, jabki SBI Debt Fund 0.71% hai. Sach ye hai, SBI Debt Fund ke risk-adjusted returns better hain.
📊 Portfolio Diversification
Asset allocation ke maamle mein, SBI Debt Fund aur PPFAS Large Cap Fund donon hi alag-alag hain. Dekho, SBI Debt Fund ke asset allocation mein debenture 40% hai, SDL 30%, T-Bills 20%, aur GOI Sec 10%. PPFAS Large Cap Fund ke asset allocation mein equity 96% hai, aur T-Bills 4% hai. Top holdings concentration ke maamle mein, SBI Debt Fund ke 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% hain. PPFAS Large Cap Fund ke top 3 holdings mein HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, aur Reliance Industries Ltd. 6.9% hain. Sach ye hai, SBI Debt Fund ke asset allocation aur top holdings concentration ke liye better hain.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
PPFAS 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, PPFAS Large Cap Fund ke 5Y aur 3Y return bahut acche hain. Ye fund long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Nahin, PPFAS Large Cap Fund ke riskometer very high hai, aur volatility 12.07 hai. Ye fund ke liye higher risk nahi hai. SBI Debt Fund ke riskometer moderate hai, aur volatility 3 hai. Ye fund ke liye better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, PPFAS Large Cap Fund ke expense ratio 0.52% hai, jabki SBI Debt Fund ke expense ratio 0.71% hai. PPFAS Large Cap Fund 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