SBI Debt Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
18.13%
Dekho, aaj hum aapko do SBI funds ke beech ka comparison karne jaate hain - SBI Debt Fund aur SBI Focused Fund. Ye dono funds aapke investment ke liye acche options ho sakte hain, lekin humein unki apni visheshtayein aur aapke investment ke liye sahi fund chunne mein madad karne ki zaroorat hai. Chaliye, humein ye jaanne ki zaroorat hai ki yeh dono funds kaun se category mein aate hain aur unke returns, risk aur cost ke bare mein kya hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 432.21 |
| AUM (₹ Cr) | 8.34 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.47% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 13.25 |
| Sharpe Ratio | 2.67 | 0.88 |
| 1 Year Return (%) | 4.95% | 12.11% |
| 3 Year Return (%) | 14.51% | 18.13% |
| 5 Year Return (%) | 12.09% | 15.02% |
| Since Launch (%) | N/A | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 150% | 45% |
🤖 AI Verdict – Which is Better?
Sach ye hai, jab hum 3Y return, expense ratio aur risk ke bare mein dekhte hain, to SBI Debt Fund haan, yeh fund long-term wealth creation ke liye accha hai. Iska 3Y return 14.51% hai, jo SBI Focused Fund ke 18.13% se kam hai. Lekin, yeh fund moderate riskometer hai, jo SBI Focused Fund ke very high riskometer ke liye behtar hai. Expense ratio bhi SBI Debt Fund ka 0.71% hai, jo SBI Focused Fund ka 1.47% se kam hai. To, SBI Debt Fund aapke liye better fund 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 Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
Jab hum SIP ke liye fund chunne jaate hain, to SBI Debt Fund aapke liye behtar hai. Iska 3Y return stable hai aur expense ratio low hai. SBI Focused Fund ka 3Y return high hai, lekin expense ratio bhi high hai. To, yeh fund long-term SIP ke liye accha hai. Haan, yeh dono funds aapke investment ke liye acche options hain, lekin SBI Debt Fund aapke liye better hai.
⚠️ Risk & Cost Analysis
Jab hum riskometer, volatility, Sharpe ratio aur expense ratio ke bare mein dekhte hain, to SBI Debt Fund aapke liye behtar hai. Iska riskometer moderate hai, jo SBI Focused Fund ka very high riskometer se kam hai. Volatility bhi SBI Debt Fund ka 3 hai, jo SBI Focused Fund ka 13.25 se kam hai. Sharpe ratio bhi SBI Debt Fund ka 2.67 hai, jo SBI Focused Fund ka 0.88 se kam hai. To, SBI Debt Fund aapke liye better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Jab hum asset allocation aur top holdings concentration ke bare mein dekhte hain, to SBI Debt Fund aapke liye behtar hai. Iska asset allocation debenture, SDL aur T-Bills mein hai, jo SBI Focused Fund ka equity aur forgn. eq mein hai. Top holdings concentration bhi SBI Debt Fund ka lower hai, jo SBI Focused Fund ka higher hai. To, SBI Debt Fund aapke liye better portfolio diversification offer karta hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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?
SBI Debt Fund hai, iska 5Y return 12.09% hai, jo SBI Focused Fund ka 15.02% se kam hai.
Q2: Is the higher risk fund worth it?
Nahin, SBI Focused Fund ka very high riskometer hai aur volatility bhi high hai. Sharpe ratio bhi low hai, jo SBI Debt Fund ka 2.67 se kam hai.
Q3: Which fund is more cost-effective?
SBI Debt Fund hai, iska expense ratio 0.71% hai, jo SBI Focused Fund ka 1.47% 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