SBI Debt Fund vs Quant 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
9.45%
Ab hum aapko do mutual funds ke beech ki tarahhal karne ja rahe hain, SBI Debt Fund aur Quant Liquid Fund. Dekho, ye donon fund alag-alag categories mein hain, Debt aur Liquid fund. Aaj hum aapko batayenge ki aapke paiso ke liye kis fund se bhaari padega aur aapke investment ke liye kya hoga.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quant Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 22.09 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.13 |
| Sharpe Ratio | 2.67 | 22.69 |
| 1 Year Return (%) | 4.95% | 0.9% |
| 3 Year Return (%) | 14.51% | 9.45% |
| 5 Year Return (%) | 12.09% | 8.38% |
| Since Launch (%) | N/A | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 11 June 2019 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | N/A |
| 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% | 267% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, Quant Mutual Fund Liquid Fund, hai bhaari padne wala fund long-term wealth creation ke liye. Iska 3Y return 9.45% hai, jo ki Fund A ki comparison mein kam hai. Lekin, expense ratio mein Fund A kam hai, 0.71% ki comparison mein. Aur, riskometer mein bhi Fund A kam hai, Moderate ki comparison mein. Haan, Fund A ka 3Y return 14.51% hai, jo ki Fund B ki comparison mein adhik hai lekin expense ratio aur riskometer ko dekhiye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
SIP ke liye, Fund B, Quant Mutual Fund Liquid Fund, hai bhaari padne wala fund. Iska 1Y return 0.9% hai, jo ki Fund A ki comparison mein kam hai lekin 3Y return mein Fund A ki comparison mein adhik hai. Lekin, consistency aur return stability ke liye, Fund B kam hai, jo ki aapke paiso ke liye thoda adhik surakshit hai.
⚠️ Risk & Cost Analysis
Riskometer mein Fund A kam hai, Moderate, jo ki Fund B ki comparison mein adhik hai, Low. Lekin, volatility mein Fund B kam hai, 0.13, jo ki Fund A ki comparison mein adhik hai, 3. Sharpe ratio mein bhi Fund B kam hai, 22.69, jo ki Fund A ki comparison mein adhik hai, 2.67. Aur, expense ratio mein Fund B kam hai, 0.12%, jo ki Fund A ki comparison mein adhik hai, 0.71%.
📊 Portfolio Diversification
Asset allocation mein Fund A kam hai, Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00%. Lekin, top holdings concentration mein Fund B kam hai, State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8%. Haan, Fund A ka asset allocation kam hai lekin top holdings concentration mein Fund B kam hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% 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?
Answer, Fund A, SBI Debt Fund, ka 5Y return 12.09% hai, jo ki Fund B, Quant Mutual Fund Liquid Fund, ki comparison mein adhik hai, 8.38%.
Q2: Is the higher risk fund worth it?
Answer, haan, Fund A, SBI Debt Fund, ka volatility 3 hai, jo ki Fund B, Quant Mutual Fund Liquid Fund, ki comparison mein adhik hai, 0.13. Lekin, Sharpe ratio mein Fund B kam hai, 22.69, jo ki Fund A ki comparison mein adhik hai, 2.67.
Q3: Which fund is more cost-effective?
Answer, Fund B, Quant Mutual Fund Liquid Fund, ka expense ratio 0.12% hai, jo ki Fund A, SBI Debt Fund, ki comparison mein kam hai, 0.71%.
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