SBI Debt Fund vs PPFAS 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%
Chaliye dekho, aaj hum do mutual funds par discuss karenge: SBI Debt Fund aur PPFAS Liquid Fund. Ye dono funds alag-alag categories se aate hain, Debt aur Liquid fund. Hum aapko batayenge ki aapko invest karna hai ya na hai, aur kis fund se.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.41 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) | Rajeev Thakkar (3.5 years yrs) |
| 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% | 249% |
🤖 AI Verdict – Which is Better?
Haan, humne fund B, PPFAS Liquid Fund ko long-term wealth creation ke liye better fund samjha hai. Iska karan fund B ka 3Y return 6.93% hai, jo fund A ki 14.51% se kam hai. Lekin expense ratio mein fund B ka 0.12% fund A ki 0.71% se kam hai, jisse aapko paise bachenge. Riskometer mein bhi fund B ka Low risk hai, jo fund A ka Moderate risk se kam 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye hum fund B, PPFAS Liquid Fund ko better fund samjha hai. Iska karan fund B ka consistency aur return stability hai. Fund A ka 1Y return 4.95% hai, lekin fund B ka 6.17% hai, jo fund A ki 1.22% se zyada hai.
⚠️ Risk & Cost Analysis
Volatility mein fund B ka 0.12 hai, jo fund A ki 3 se kam hai. Sharpe ratio mein bhi fund B ka 3.58 hai, jo fund A ki 2.67 se zyada hai. Expense ratio mein bhi fund B ka 0.12% fund A ki 0.71% se kam hai, jisse aapko paise bachenge. Isliye, fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation mein fund B ka 65% T-Bills aur 20% CD hai, jo fund A ka 40% Debenture aur 30% SDL se alag hai. Top holdings mein bhi fund B ka concentration kam hai, jisse sector risk kam hai. Fund A ka top holdings mein concentration jyada hai, jisse sector risk jyada hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
PPFAS 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 B ka 5Y return 6.11% hai, jo fund A ka 12.09% se kam hai. Lekin fund B ka riskometer Low hai, jo fund A ka Moderate risk se kam hai.
Q2: Is the higher risk fund worth it?
Haan, fund A ka 3Y return jyada hai, lekin fund A ka volatility jyada hai. Sharpe ratio mein bhi fund B ka 3.58 hai, jo fund A ki 2.67 se zyada hai. Isliye, fund B better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, fund B ka expense ratio 0.12% hai, jo fund A ki 0.71% se kam hai. Isliye, fund B 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