SBI Debt Fund vs Quantum 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
6.56%
Chaliye, dekho, we have two mutual funds from different categories - SBI Debt Fund, which is a debt fund, aur Quantum Liquid Fund, jo ek liquid fund hai. Aaj humein yeh jaanana hai ki dono funds mein kya antar hai aur kis fund mein long term mein paise kamana hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 37.04 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 0.55 |
| 1 Year Return (%) | 4.95% | 5.71% |
| 3 Year Return (%) | 14.51% | 6.56% |
| 5 Year Return (%) | 12.09% | 5.82% |
| Since Launch (%) | N/A | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Atul Kumar (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% | 231% |
🤖 AI Verdict – Which is Better?
Haan, fund A (SBI Debt Fund) mein 3Y return 14.51% hai, jo ki fund B (Quantum Liquid Fund) se zyada hai. Lekin expense ratio mein bhi antar hai, fund B mein 0.12% hai, jo ki fund A mein 0.71% hai. Sach ye hai ki fund A mein riskometer moderate hai, lekin fund B mein riskometer low hai. Haan, humein fund A ko better fund mana 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 Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
SIP suitabilita ke liye, humein fund B (Quantum Liquid Fund) ko better mana hai. Iska 1Y return 5.71% hai, jo ki fund A (SBI Debt Fund) se zyada hai. Lekin 3Y return mein bhi antar hai, fund B mein 6.56% hai, jo ki fund A mein 14.51% hai. Haan, fund B ka 3Y return consistency se zyada hai, isliye yeh fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, fund B (Quantum Liquid Fund) ka riskometer low hai, aur volatility 0.11 hai, jo ki fund A (SBI Debt Fund) mein 3 hai. Lekin Sharpe ratio mein bhi antar hai, fund A mein 2.67 hai, jo ki fund B mein 0.55 hai. Haan, fund A ka Sharpe ratio better hai, isliye yeh fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation ke liye, fund B (Quantum Liquid Fund) ka asset allocation T-Bills, CD, CP, aur cash mein hai, jo ki fund A (SBI Debt Fund) mein debenture, SDL, T-Bills, aur GOI Sec mein hai. Haan, fund B ka asset allocation diversified hai, lekin fund A ka asset allocation bhi diversified hai. Lekin sector risk ke liye, fund B mein State Bank of India CD aur HDFC Bank CD ki chhoti holding hai, jo ki fund A mein National Bank For Agriculture And Rural Development aur Power Finance Corporation Ltd. ki badi holding hai, isliye fund B mein sector risk kam hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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, fund A (SBI Debt Fund) mein 5Y return 12.09% hai, jo ki fund B (Quantum Liquid Fund) se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, fund A (SBI Debt Fund) ka Sharpe ratio 2.67 hai, jo ki fund B (Quantum Liquid Fund) mein 0.55 hai, isliye fund A ka higher risk better hai.
Q3: Which fund is more cost-effective?
Haan, fund B (Quantum Liquid Fund) ka expense ratio 0.12% hai, jo ki fund A (SBI Debt Fund) mein 0.71% hai, isliye fund B 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