SBI Debt Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
16.36%
Chaliye, aaj hum SBI Debt Fund aur SBI Contra Fund ke beech ka comparison karenge. Ye do funds kis tarah se apne investor ke liye beneficial hain, iska pata karenge. Fund A, SBI Debt Fund ek debt fund hai, jabki Fund B, SBI Contra Fund ek multi-cap fund hai. Yahan hum fund A aur fund B ke beech ka comparison karenge aur dekhenge ki kis fund ko long-term wealth creation ke liye prefer karna chahiye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 408.51 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.72% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.7 |
| Sharpe Ratio | 2.67 | 0.72 |
| 1 Year Return (%) | 4.95% | -1.21% |
| 3 Year Return (%) | 14.51% | 16.36% |
| 5 Year Return (%) | 12.09% | 18.26% |
| Since Launch (%) | N/A | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 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. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 150% | 130% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye fund B, SBI Contra Fund better hai. Yeh fund 3Y return mein 16.36% return diya hai, jabki fund A, SBI Debt Fund 14.51% return diya hai. Lekin expense ratio ke liye fund A, SBI Debt Fund mehenge hai, 0.71% expense ratio ke saath. Fund B, SBI Contra Fund mehenge hai 0.72% expense ratio ke saath lekin riskometer very high hai. Haan, fund B jyada risk lene vale fund hai, lekin yeh fund investor ko long-term wealth creation ke liye better option deti 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 Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
SIP k liye fund A, SBI Debt Fund better hai. Yeh fund mehenge hai lekin consistent return deti hai. Fund A, SBI Debt Fund 5Y return mein 12.09% return diya hai, jabki fund B, SBI Contra Fund 18.26% return diya hai. Lekin fund B, SBI Contra Fund mehenge hai aur yeh fund jyada risk lene wala fund hai. Haan, fund B long-term wealth creation ke liye better option deti hai lekin SIP k liye fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer ke liye fund B, SBI Contra Fund very high riskometer ke saath aata hai. Lekin fund A, SBI Debt Fund moderate riskometer ke saath aata hai. Sharpe ratio ke liye fund A, SBI Debt Fund better hai, 2.67 Sharpe ratio ke saath. Fund B, SBI Contra Fund 0.72 Sharpe ratio ke saath aata hai. Expense ratio ke liye fund A, SBI Debt Fund mehenge hai, 0.71% expense ratio ke saath. Fund B, SBI Contra Fund mehenge hai 0.72% expense ratio ke saath. Haan, fund A, SBI Debt Fund better risk-adjusted returns deti hai.
📊 Portfolio Diversification
Asset allocation ke liye fund A, SBI Debt Fund better hai. Yeh fund 40% debenture, 30% SDL aur 20% T-Bills ke saath aata hai. Fund B, SBI Contra Fund 81.12% equity, 2.35% T-Bills aur 2.19% foreign equity ke saath aata hai. Haan, fund A, SBI Debt Fund apne asset allocation ke liye better hai. Top holdings concentration ke liye fund B, SBI Contra Fund better hai. Yeh fund HDFC Bank Ltd, Reliance Industries Ltd aur Biocon Ltd ke saath aata hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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 B, SBI Contra Fund 5Y return mein 18.26% return diya hai, jabki fund A, SBI Debt Fund 12.09% return diya hai. Haan, fund B long-term wealth creation ke liye better option deti hai.
Q2: Is the higher risk fund worth it?
Haan, fund B, SBI Contra Fund higher risk lene wala fund hai lekin yeh fund investor ko long-term wealth creation ke liye better option deti hai. Fund B, SBI Contra Fund 13.7 volatility ke saath aata hai lekin yeh fund 0.72 Sharpe ratio ke saath aata hai.
Q3: Which fund is more cost-effective?
Sach ye hai, fund A, SBI Debt Fund 0.71% expense ratio ke saath aata hai, jabki fund B, SBI Contra Fund 0.72% expense ratio ke saath aata hai. Haan, fund A, SBI Debt Fund more 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