SBI Debt Fund vs SBI Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.89%
Sach ye hai, debt funds aur liquid funds don't seem like vastly different options at first glance. Fund A, SBI Debt Fund - Direct Plan - Growth, is a debt fund, lekin Fund B, SBI Liquid Fund - Direct Plan - Growth, is a liquid fund. Dekho, both funds are offered by the same AMC, State Bank of India. In this article, hum are going to compare these two funds and help you decide which one is better for your investment goals.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Liquid |
| NAV (₹) | 13.73 | 4351.16 |
| AUM (₹ Cr) | 8.34 Lac Cr | 7.12 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.12 |
| Sharpe Ratio | 2.67 | 3.25 |
| 1 Year Return (%) | 4.95% | 6.15% |
| 3 Year Return (%) | 14.51% | 6.89% |
| 5 Year Return (%) | 12.09% | 6.09% |
| Since Launch (%) | N/A | 6.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | NIFTY Liquid 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%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 150% | 260% |
🤖 AI Verdict – Which is Better?
Haan, after analyzing the data, hum are going to give a clear verdict. Fund A, SBI Debt Fund, is a better option for long-term wealth creation. Dekho, its 3Y return of 14.51% is higher than Fund B's 6.89%. Lekin, expense ratio is a concern. Fund A has an expense ratio of 0.71%, while Fund B has an expense ratio of 0.12%. Riskometer se bhi, Fund A is classified as Moderate, while Fund B is classified as Low. Hence, Fund A is a better option for those who can take on moderate risk for higher returns.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
📈 SIP Suitability
Chaliye, let's talk about SIP suitability. Hum are going to compare the consistency and return stability of both funds. Dekho, Fund B, SBI Liquid Fund, has a 1Y return of 6.15%, while Fund A has a 1Y return of 4.95%. Lekin, Fund B's returns are more stable, with a 3Y return of 6.89% and a 5Y return of 6.09%. Fund A's returns are more volatile, with a 3Y return of 14.51% and a 5Y return of 12.09%. Hence, Fund B is a better option for a monthly SIP for 10+ years.
⚠️ Risk & Cost Analysis
Haan, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Dekho, Fund A has a riskometer of Moderate, while Fund B has a riskometer of Low. Volatility-wise, Fund A has a volatility of 3, while Fund B has a volatility of 0.12. Sharpe ratio-wise, Fund A has a Sharpe ratio of 2.67, while Fund B has a Sharpe ratio of 3.25. Expense ratio-wise, Fund B is more cost-effective with an expense ratio of 0.12%, while Fund A has an expense ratio of 0.71%. Hence, Fund B offers better risk-adjusted returns.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation and top holdings concentration of both funds. Dekho, Fund A's asset allocation is Debenture: 40.00%, SDL: 30.00%, T-Bills: 20.00%, and GOI Sec: 10.00%. Fund B's asset allocation is T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, and Cash: 5.00%. Top holdings-wise, Fund A has National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), and Rural Electrification Corporation Ltd. (4.9%). Fund B has State Bank of India CD (8.5%), HDFC Bank CD (7.2%), and Reliance Industries T-Bills (6.8%). Hence, Fund B is more diversified with a lower concentration of top holdings.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Liquid Fund
₹865144.00
@6.9% 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 A gives better returns in the long run with a 5Y return of 12.09%. Lekin, Fund B's returns are more stable.
Q2: Is the higher risk fund worth it?
Answer: N/A, because we already compared the two funds and found Fund B to be more stable and cost-effective.
Q3: Which fund is more cost-effective?
Answer: Fund B is more cost-effective with an expense ratio of 0.12% compared to Fund A's expense ratio of 0.71%.
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