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
12.44%
Aaj hum 2 fundon ke beech ka comparison karenge - SBI Debt Fund aur SBI Blue Chip Fund. Ye dono fund SEBI-registered hain, lekin unke categories aur riskometer alag-alag hain. Aap is article mein jaanne wale hain ki Fund A aur Fund B ka comparison kya hai aur aapke liye kis fund better hai.
[VERDICT]| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 166.74 |
| AUM (₹ Cr) | 8.34 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.43% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.37 |
| Sharpe Ratio | 2.67 | 0.52 |
| 1 Year Return (%) | 4.95% | -0.75% |
| 3 Year Return (%) | 14.51% | 12.44% |
| 5 Year Return (%) | 12.09% | 13.47% |
| Since Launch (%) | N/A | 22.61% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 18 November 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 | Nifty 50 |
| 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 A (SBI Debt Fund) 3Y return mein 14.51% ka return deta hai, jo Fund B (SBI Blue Chip Fund) ke 12.44% se adhik hai. Lekin, Fund B ka expense ratio 1.43% hai, jo Fund A ka 0.71% se jyada hai. Isse Fund A ka riskometer Moderate aur Fund B ka Very High hai. Haan, aapko pata hai ki long-term wealth creation ke liye Fund A better hai.
[SIP_SUITABILITY]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: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, Fund A (SBI Debt Fund) better hai. Iska 3Y return Fund B se jyada hai aur expense ratio kam hai. Fund A ka asset allocation bhi stabler hai, jisse aapka SIP stable return deta hai. Chaliye, ek example dekhte hain: agar aap 10+ saal ke liye SIP karte hain, toh Fund A aapko better returns deta hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke beech ka comparison karne wale hain. Fund A ka riskometer Moderate hai, jo Fund B ka Very High se kam hai. Fund A ka volatility 3 hai, jo Fund B ka 11.37 se kam hai. Sharpe ratio mein bhi Fund A better hai, jisse aapko better risk-adjusted returns milte hain. Haan, Fund A ka expense ratio jyada kam hai, jisse aapko cost-effective investment milta hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ke beech ka comparison karne wale hain. Fund A ka asset allocation stable hai, jismein Debenture, SDL, T-Bills, aur GOI Sec shamil hain. Fund B ka asset allocation bhi stable hai, lekin equity ka shamil hai, jo Fund A se jyada riskya hai. Haan, Fund A ka top holdings concentration bhi kam hai, jisse aapko sector risk kam hota hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Blue Chip Fund
₹1192614.40
@12.4% 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?
Sach ye hai, Fund A (SBI Debt Fund) 5Y return mein 12.09% ka return deta hai, jo Fund B (SBI Blue Chip Fund) ka 13.47% se kam hai. Haan, Fund A ka 3Y return Fund B se jyada hai, jisse aapko long-term wealth creation ke liye Fund A better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 11.37 hai, jo Fund A ka 3 se jyada hai. Lekin, Fund B ka Sharpe ratio 0.52 hai, jo Fund A ka 2.67 se kam hai. Isse aapko pata hai ki Fund A ka riskometer Moderate hai, jo Fund B ka Very High se kam hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.71% hai, jo Fund B ka 1.43% se kam hai. Isse aapko pata hai ki Fund A cost-effective hai, jisse aapko better returns milte hain.
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