SBI Debt Fund vs PPFAS 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
20.86%
Dekho, aaj hum do mutual funds ke beech compare karne ja rhe hain - SBI Debt Fund aur PPFAS Multi Cap Fund. Sabse pehle, aapko pata hona chahiye ki ye dono fund kis category mein aate hain. SBI Debt Fund debt category mein hai, jabki PPFAS Multi Cap Fund multi cap category mein hai. Is article mein, hum aapko batayenge ki dono fund ke beech kon sa bhaari hai aur kitna bada wealth creation kar sakta hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 19.01 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.1 |
| Sharpe Ratio | 2.67 | 1.02 |
| 1 Year Return (%) | 4.95% | 5.23% |
| 3 Year Return (%) | 14.51% | 20.86% |
| 5 Year Return (%) | 12.09% | 14.84% |
| Since Launch (%) | N/A | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 February 2023 |
| 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 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% | 41% |
🤖 AI Verdict – Which is Better?
Haan, chaliye aayein iss baat par. SBI Debt Fund ki 3Y return 14.51% hai, jabki PPFAS Multi Cap Fund ki 3Y return 20.86% hai. Lekin expense ratio ka bhi dhyan dena hoga. SBI Debt Fund ka expense ratio 0.71% hai, jabki PPFAS Multi Cap Fund ka expense ratio 1.68% hai. Riskometer bhi ek important factor hai. SBI Debt Fund ka riskometer moderate hai, jabki PPFAS Multi Cap Fund ka riskometer very high hai. Haan, sach ye hai ki PPFAS Multi Cap Fund kitna bada risk hai, lekin expense ratio bhi bada hai. To, hum aapko PPFAS Multi Cap Fund ke 3Y return aur SBI Debt Fund ke lower expense ratio ke beech se nikalne wale Fund B ko better fund maante hain.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
SIP (Systematic Investment Plan) ek achha investment plan hai jo long-term wealth creation ke liye bahut hi useful hai. Lekin aapko pata hona chahiye ki kon sa fund aapke liye better hai. SBI Debt Fund ki 3Y return 14.51% hai, jabki PPFAS Multi Cap Fund ki 3Y return 20.86% hai. Lekin SBI Debt Fund ki expense ratio 0.71% hai, jabki PPFAS Multi Cap Fund ki expense ratio 1.68% hai. Haan, sach ye hai ki PPFAS Multi Cap Fund ka 3Y return bahut hi accha hai, lekin expense ratio bhi bada hai. Lekin jab hum SBI Debt Fund ki consistency aur return stability ke beech se nikalte hain, to SBI Debt Fund aapke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur expense ratio ek important factors hain jo aapko investment ke liye consider karni chahiye. SBI Debt Fund ka riskometer moderate hai, jabki PPFAS Multi Cap Fund ka riskometer very high hai. Lekin PPFAS Multi Cap Fund ki volatility 14.1 hai, jabki SBI Debt Fund ki volatility 3 hai. Haan, sach ye hai ki PPFAS Multi Cap Fund ka higher risk hai, lekin expense ratio bhi bada hai. To, aapko aise fund chunne ki zaroorat hai jiska expense ratio kam ho aur riskometer moderate ho. SBI Debt Fund aapke liye better fund hai.
📊 Portfolio Diversification
Portfolio diversification ek important factor hai jo aapko investment ke liye consider karni chahiye. SBI Debt Fund ka asset allocation debt mein 90% hai, jabki PPFAS Multi Cap Fund ka asset allocation equity mein 97% hai. Lekin SBI Debt Fund ki top 3 holdings mein National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd. aur Rural Electrification Corporation Ltd. hain, jabki PPFAS Multi Cap Fund ki top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. hain. Haan, sach ye hai ki PPFAS Multi Cap Fund ka asset allocation bahut hi biased hai, lekin SBI Debt Fund ka asset allocation kam biased hai. To, hum aapko SBI Debt Fund ka portfolio diversification se PPFAS Multi Cap Fund ka portfolio diversification ko better maante hain.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
PPFAS Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
PPFAS Multi Cap Fund ki 5Y return 14.84% hai, jabki SBI Debt Fund ki 5Y return 12.09% hai. Haan, sach ye hai ki PPFAS Multi Cap Fund ka 5Y return bahut hi accha hai, lekin expense ratio ka bhi dhyan dena hoga. To, hum aapko PPFAS Multi Cap Fund ke 5Y return aur SBI Debt Fund ke lower expense ratio ke beech se nikalne wale Fund B ko better fund maante hain.
Q2: Is the higher risk fund worth it?
PPFAS Multi Cap Fund ka riskometer very high hai, jabki SBI Debt Fund ka riskometer moderate hai. Lekin PPFAS Multi Cap Fund ki volatility 14.1 hai, jabki SBI Debt Fund ki volatility 3 hai. Haan, sach ye hai ki PPFAS Multi Cap Fund ka higher risk hai, lekin expense ratio bhi bada hai. To, aapko aise fund chunne ki zaroorat hai jiska expense ratio kam ho aur riskometer moderate ho. SBI Debt Fund aapke liye better fund hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jabki PPFAS Multi Cap Fund ka expense ratio 1.68% hai. Haan, sach ye hai ki PPFAS Multi Cap Fund ka expense ratio bahut hi bada hai. To, hum aapko SBI Debt Fund ka expense ratio se
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