SBI Debt Fund vs SBI Blue Chip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
31.25%
Chaliye dekho, aaj hum do SBI funds ke beech mein comparison karne ja rahe hain. Fund A SBI Debt Fund hai, jo Debt category mein aata hai, aur Fund B SBI Blue Chip Fund hai, jo Large Cap category mein aata hai. Aaj hum iske 3Y return, expense ratio, aur risk ke basis par long-term wealth creation ke liye better fund ka verdict nikalenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 101.68 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.79% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.35 |
| Sharpe Ratio | 2.67 | 2.18 |
| 1 Year Return (%) | 4.95% | 9.84% |
| 3 Year Return (%) | 14.51% | 31.25% |
| 5 Year Return (%) | 12.09% | 25.25% |
| Since Launch (%) | N/A | 12.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | BSE 100 Total Return 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%) | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.26% | T-Bills: 0.78% |
| Portfolio Turnover | 150% | 8% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B SBI Blue Chip Fund aapke long-term wealth creation ke liye better fund hai. Iska 3Y return 31.25% hai, jo Fund A ki 14.51% se bahut jyada hai. Lekin, expense ratio bhi bahut jyada hai, 0.79%. Fund A ki expense ratio 0.71% hai, jo thoda kam hai. Lekin, Fund B ka riskometer Very High hai, jo Fund A ka Moderate se behtar hai. Haan, Fund B ka Sharpe ratio 2.18 hai, jo Fund A ka 2.67 se kam hai. Lekin, Fund B ka 5Y return 25.25% hai, jo Fund A ka 12.09% se jyada 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 SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
📈 SIP Suitability
SIP ke liye, Fund B SBI Blue Chip Fund aapke 10+ saal ke liye better fund hai. Iska 5Y return 25.25% hai, jo Fund A ka 12.09% se jyada hai. Lekin, Fund B ka riskometer Very High hai, jisaki consistency aur return stability samajhne mein madad nahin karta. Fund A ka riskometer Moderate hai, jiska return stability aur consistency thoda jyada hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, Fund A SBI Debt Fund aapke liye better fund hai. Iska riskometer Moderate hai, aur volatility 3 hai. Lekin, Fund B ka Sharpe ratio 2.18 hai, jo Fund A ka 2.67 se kam hai. Haan, Fund B ka expense ratio 0.79% hai, jo Fund A ki 0.71% se jyada hai. Lekin, Fund A ka 5Y return 12.09% hai, jo Fund B ka 25.25% se kam hai.
📊 Portfolio Diversification
Asset allocation ke liye, Fund A SBI Debt Fund aapke liye better fund hai. Iska asset allocation mein Debenture 40.00%, SDL 30.00%, T-Bills 20.00%, aur GOI Sec 10.00% hai. Lekin, Fund B ka asset allocation mein Equity 97.26% hai, aur T-Bills 0.78% hai. Haan, Fund B ka top 3 holdings mein HDFC Bank Ltd. 8.73%, ICICI Bank Ltd. 7.76%, aur Reliance Industries Ltd. 6.56% hai, jo Fund A ka top 3 holdings mein National Bank For Agriculture And Rural Development 5.8%, Power Finance Corporation Ltd. 5.2%, aur Rural Electrification Corporation Ltd. 4.9% se jyada concentrated hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Blue Chip Fund
₹4110903.05
@31.3% 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 B SBI Blue Chip Fund aapke 5Y/3Y returns ke hisaab se better fund hai, jo 25.25% aur 31.25% hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund B ka Sharpe ratio 2.18 hai, jo Fund A ka 2.67 se kam hai, lekin Fund B ka volatility 11.35 hai, jo Fund A ka 3 se jyada hai.
Q3: Which fund is more cost-effective?
Answer: Fund A SBI Debt Fund aapke liye better fund hai, jo expense ratio 0.71% hai, jo Fund B ki 0.79% 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