SBI Debt Fund vs Quant 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
8.67%
Milky way mein tum apne paise invest karne ke liye do achhe fund dekh rahe hain. Fund A ek Debt Fund hai aur Fund B ek Multi Cap Fund hai. Aaj hum dono fund ki tulna karne jaenge aur dekhege ki kis fund mein paise lagaane ke liye hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BQuant Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quant Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 20.99 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.78 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.55 |
| Sharpe Ratio | 2.67 | 0.15 |
| 1 Year Return (%) | 4.95% | 0.18% |
| 3 Year Return (%) | 14.51% | 8.67% |
| 5 Year Return (%) | 12.09% | 7.6% |
| Since Launch (%) | N/A | 11.23% |
| 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) | Gopal Agrawal; Atul Zabhade (3.2 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% | 46% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ek moderate riske wala fund hai aur iski 3Y return 14.51% hai. Fund B ek very high riske wala fund hai aur iski 3Y return 8.67% hai. Dekho, expense ratio bhi Fund A mein kam hai, 0.71% hai. Isliye, hum Fund A ko long-term wealth creation ke liye 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 Quant Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 8.67%
- AUM: 1.78 Lac Cr
- Sharpe Ratio: 0.15
📈 SIP Suitability
Agar aap ek monthly SIP lagaane ja rahe hain aur 10+ years ke liye invest kar rahe hain, to Fund A hi better choice hai. Iski 5Y return 12.09% hai, jo Fund B ki 5Y return 7.6% se adhik hai. Isliye, dono fund ki consistency aur return stability ka comparison karna jaruri hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye Fund A behtar hai, lekin Sharpe ratio aur expense ratio ke liye Fund B adhik behtar hai. Dekho, Fund A ki riskometer moderate hai aur volatility 3 hai, jabki Fund B ki riskometer very high hai aur volatility 14.55 hai. Isliye, risk-adjusted returns ke liye Fund A hi better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund A behtar hai. Iski asset allocation mein debentures, SDL, T-Bills aur GOI securities shaamil hain, jo Fund B ki asset allocation mein equity aur T-Bills hain. Isliye, Fund A mein portfolio diversification adhik hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Quant Mutual Fund Multi Cap Fund
₹956588.14
@8.7% 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?
Fund A ki 5Y return 12.09% hai, jo Fund B ki 5Y return 7.6% se adhik hai. Isliye, Fund A long run mein better returns denewali hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke liye Fund B adhik behtar hai, lekin riskometer aur asset allocation ke liye Fund A behtar hai. Isliye, Fund B ko risk se jude kuch na kuch hai, lekin Fund A mein adhik diversification hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye Fund A behtar hai, 0.71% hai, jabki Fund B ki expense ratio 1.68% hai. Isliye, Fund A adhik 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