SBI Debt Fund vs Quant 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%
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BQuant Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quant Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.47 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.4 |
| Sharpe Ratio | 2.67 | 0.66 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 27% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we need to focus on consistency and stability. Fund A, SBI Debt Fund, has given 14.51% return in the last 3 years with a moderate riskometer. Fund B, Quant Mutual Fund Large Cap Fund, has a very high riskometer, but its 3Y return is also impressive at 14.7%. Expense ratio is also a crucial factor - Fund A has 0.71% expense ratio, while Fund B has 0.52%. Haan, considering all these factors, Fund B might be a better choice for those who can handle high risk.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider Quant Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.47 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
SIP suitability is all about consistency and return stability. Dekho, Fund A has given 12.09% return in the last 5 years, which is quite stable. Fund B has also given 12.03% return in the last 5 years, but its 1Y return is negative at -4.02%. Lekin, for a monthly SIP for 10+ years, we can consider Fund B as it has the potential to give better returns in the long run.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, and expense ratio are all crucial factors to consider while investing. Fund A has a moderate riskometer with a Sharpe ratio of 2.67 and volatility of 3. Fund B has a very high riskometer with a Sharpe ratio of 0.66 and high volatility of 12.4. Expense ratio is also in favor of Fund B at 0.52%. Sach ye hai, Fund B offers better risk-adjusted returns, but it's essential to consider your risk tolerance and investment horizon before investing.
📊 Portfolio Diversification
Asset allocation and top holdings concentration are essential for portfolio diversification. Fund A has an asset allocation of 40% debentures, 30% SDL, 20% T-Bills, and 10% GOI Sec. Top holdings concentration is also moderate with National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), and Rural Electrification Corporation Ltd. (4.9%). Fund B has an asset allocation of 96% equity and 4% T-Bills. Top holdings concentration is also high with HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%). Lekin, Fund A is more diversified with a broader asset allocation.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Quant 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?
Haan, both funds have given impressive returns in the long run. Fund A has given 14.51% return in the last 3 years, while Fund B has given 14.7% return in the last 3 years. But, considering 5Y returns, Fund A has given 12.09%, and Fund B has given 12.03%. Sach ye hai, both funds are good for long-term wealth creation.
Q2: Is the higher risk fund worth it?
Lekin, the higher risk fund might not be worth it for everyone. Fund B has a very high riskometer and high volatility, which can result in significant losses in the short term. But, if you're willing to take on high risk, Fund B offers better risk-adjusted returns. Dekho, it's essential to consider your risk tolerance and investment horizon before investing.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B is more cost-effective with an expense ratio of 0.52%. Fund A has an expense ratio of 0.71%. Lekin, it's essential to consider other factors like riskometer, volatility, and Sharpe ratio before making a decision.
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