SBI Debt Fund vs Quantum 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
7.98%
Kya aap apni paise ki suraksha aur vruddhi ke liye ek achi mutual fund ke liye tay karna chahte hain. Dekhiye, hum aapko Fund A - SBI Debt Fund aur Fund B - Quantum Mutual Fund Multi Cap Fund ke beech ka tarkik tark kareinge.
Is lekhe mein hum aapko ye jaanne ke liye madad karenge ki kis fund mein aap ka paise behtar vruddhi hoga aur kis tarah se aapki aapki risk aur cost ki samasyaon ko suljha sakte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BQuantum Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 8.38 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.73 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.65 |
| Sharpe Ratio | 2.67 | 0.27 |
| 1 Year Return (%) | 4.95% | -11.42% |
| 3 Year Return (%) | 14.51% | 7.98% |
| 5 Year Return (%) | 12.09% | 4.71% |
| Since Launch (%) | N/A | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 6 November 2024 |
| 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 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% | 35% |
🤖 AI Verdict – Which is Better?
Haan, hamara verdict hai ki Fund A - SBI Debt Fund aapke liye behtar fund hai. Ye fund apki long-term vruddhi ke liye adhik upyukt hai. Fund A ka 3Y return 14.51% hai, jo ki Fund B se bahut adhik hai. Sath hi, Fund A ka expense ratio 0.71% hai, jo ki Fund B se kam hai. Sath hi, Fund A ka riskometer moderate hai, jo ki Fund B ka riskometer very high hai.
Lekin, yeh nahi kaha ja raha hai ki Fund B aapke liye behtar fund nahin hai. Yeh fund aapke liye achi vruddhi ki guarantee nahi deti hai, lekin yeh fund aapke liye risk aur vruddhi ka ek aisi combination pradaan karta hai jiska aapko khayal rakha ja sakta 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 7.98%
- AUM: 1.73 Lac Cr
- Sharpe Ratio: 0.27
📈 SIP Suitability
SIP ke liye Fund A aur Fund B dono fund upyukt hain. Lekin, agar aap 10+ saal ke liye SIP karte hain, to Fund A aapke liye behtar fund hai. Fund A ka consistency aur return stability Fund B se adhik hai.
Haan, Fund A ka volatility Fund B se adhik hai, lekin yeh fund aapke liye behtar vruddhi ki guarantee pradaan karta hai.
⚠️ Risk & Cost Analysis
Yeh dekhiye, Fund A ka riskometer Fund B se kam hai, lekin Fund B ka volatility Fund A se adhik hai. Lekin, Fund A ka Sharpe ratio Fund B se adhik hai, jo ki Fund A ka expense ratio Fund B se kam hai.
Sach ye hai, Fund A aapke liye behtar risk-adjusted return pradaan karta hai.
📊 Portfolio Diversification
Haan, Fund A aur Fund B dono fund me portfolio diversification ki ja rahi hai. Fund A ka asset allocation Debt se jude hua hai, jo ki Fund B ka asset allocation Equity se jude hua hai.
Yeh dekhiye, Fund A ka asset allocation Debt se jude hua hai, jo ki Fund B ka asset allocation Equity se jude hua hai. Fund A ka top holdings concentration Fund B se kam hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Quantum Mutual Fund Multi Cap Fund
₹919786.47
@8.0% 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?
Sach ye hai ki Fund A ki 5Y return 12.09% hai, jo ki Fund B ki 5Y return 4.71% se adhik hai. Isliye, Fund A aapke liye behtar fund hai.
Q2: Is the higher risk fund worth it?
No, Fund B ka higher risk Fund A ke risk se adhik hai. Fund B ka volatility 13.65 hai, jo ki Fund A ka volatility 3 hai. Isliye, Fund A aapke liye behtar fund hai.
Q3: Which fund is more cost-effective?
Haan, Fund A aapke liye adhik cost-effective fund hai. Fund A ka expense ratio 0.71% hai, jo ki Fund B ka expense ratio 1.68% se kam 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