SBI Debt Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
19.98%
dekho, aaj hum do mahatvapurna fundon ka mukabala karenge - SBI Debt Fund aur SBI ELSS Tax Saver Fund. ye donon fund SEBI-registered hain aur humein inhein compare karne ke liye ek sahi mauka dega. hamare paas humein jaankari hai ki ve kis category mein aate hain aur humein kya seekhne ko milega. isse humein fund chunne ke liye ek accha faisla karne mein madad milegi.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | ELSS |
| NAV (₹) | 13.73 | 462.73 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.93% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 15.53 |
| Sharpe Ratio | 2.67 | 0.87 |
| 1 Year Return (%) | 4.95% | -1.1% |
| 3 Year Return (%) | 14.51% | 19.98% |
| 5 Year Return (%) | 12.09% | 17.91% |
| Since Launch (%) | N/A | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 500 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%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 150% | 37% |
🤖 AI Verdict – Which is Better?
dekho, hamare paas abhi tak ka data hai. lekin humein lagta hai ki SBI Debt Fund better hai, kyunki iska 3Y return 14.51% hai, jo bahut accha hai. iske alawa, expense ratio 0.71% hai, jo kam hai. aur in dono fundon ka riskometer moderate hai. isliye, SBI Debt Fund long-term wealth creation ke liye better 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 ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
dekho, humein pata hai ki SBI Debt Fund ka 1Y return 4.95% hai, jo thoda kam hai. lekin iska 3Y return 14.51% hai, jo bahut accha hai. iske alawa, SBI ELSS Tax Saver Fund ka 1Y return -1.1% hai, jo thoda kam hai. isliye, SBI Debt Fund monthly SIP ke liye better hai, kyunki iska return stability aur consistency acchi hai.
⚠️ Risk & Cost Analysis
dekho, hamare paas data hai. SBI Debt Fund ka riskometer moderate hai, jiska matalab hai ki yeh fund medium-level risk hai. iske alawa, iska volatility 3 hai, jo kam hai. sharpe ratio bhi 2.67 hai, jo accha hai. aur expense ratio 0.71% hai, jo kam hai. lekin SBI ELSS Tax Saver Fund ka riskometer very high hai, jiska matalab hai ki yeh fund high-level risk hai. iske alawa, iska volatility 15.53 hai, jo bahut jyada hai. sharpe ratio bhi 0.87 hai, jo kam hai. isliye, SBI Debt Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
dekho, hamare paas data hai. SBI Debt Fund ka asset allocation yeh hai - Debenture: 40.00%, SDL: 30.00%, T-Bills: 20.00%, GOI Sec: 10.00%. iske alawa, top 3 holdings yeh hain - National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%). lekin SBI ELSS Tax Saver Fund ka asset allocation yeh hai - Equity: 96.05%, T-Bills: 0.12%. iske alawa, top 3 holdings yeh hain - ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%). isliye, SBI Debt Fund ka asset allocation aur top holdings concentration better hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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, SBI Debt Fund ka 5Y return 12.09% hai, jo SBI ELSS Tax Saver Fund ka 5Y return 17.91% se achcha hai. isliye, SBI Debt Fund long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
haan, SBI ELSS Tax Saver Fund ka volatility 15.53 hai, jo bahut jyada hai. lekin sharpe ratio bhi 0.87 hai, jo kam hai. isliye, yeh fund high-level risk hai. lekin agar aap risk lene ke liye taiyar hain, toh yeh fund aapke liye accha ho sakta hai.
Q3: Which fund is more cost-effective?
sach ye hai, SBI Debt Fund ka expense ratio 0.71% hai, jo SBI ELSS Tax Saver Fund ka expense ratio 0.93% se kam hai. isliye, SBI Debt Fund 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