SBI Debt Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
15.45%
Dekho, investors! Agar aapko yeh pata hai ki SBI Debt Fund aur SBI Midcap Fund mein kya aisa hai, to aap yeh janne ke liye yahan hain. Chaliye, hum yeh jante hain ki in donon fundon ka category kya hai aur aaj humein kya seekhte hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Mid Cap |
| NAV (₹) | 13.73 | 264.93 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.62% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.71 |
| Sharpe Ratio | 2.67 | 0.61 |
| 1 Year Return (%) | 4.95% | 1.71% |
| 3 Year Return (%) | 14.51% | 15.45% |
| 5 Year Return (%) | 12.09% | 16.58% |
| Since Launch (%) | N/A | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Midcap 150 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%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 150% | 33% |
🤖 AI Verdict – Which is Better?
Hamaare maamle mein, Fund A, SBI Debt Fund, long-term wealth creation ke liye aage badhta hai. Ye because 3Y return, expense ratio, aur risk ke maamle mein accha hai. Lekin, agar aapko high returns chahiye, to Fund B, SBI Midcap Fund, aapke liye accha hai. Haan, isme risk bhi hoga, lekin agar aap long-term ke liye invest karna chahte hain, to risk ko apne pasand ke mutabiq chun sakte hain.
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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
SIP ke maamle mein, Fund A, SBI Debt Fund, monthly SIP ke liye aage badhta hai. Yeh because iska consistency aur return stability hai. Fund A ka 3Y return 14.51% hai, jiska aapko apne SIP ke liye chunne ke liye pata chalega.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke maamle mein, Fund B, SBI Midcap Fund, bada risk hai. Lekin, jab hum Sharpe ratio aur expense ratio ka dhyan dein, to Fund A, SBI Debt Fund, beter hai. Fund A ka Sharpe ratio 2.67 hai, jo iski risk-adjusted returns ko indicate karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings ke maamle mein, Fund A, SBI Debt Fund, better diversified hai. Fund A ka asset allocation 40% debenture, 30% SDL, 20% T-Bills, aur 10% GOI Sec hai. Top holdings mein National Bank for Agriculture and Rural Development, Power Finance Corporation Ltd., aur Rural Electrification Corporation Ltd. hai. Fund B ka asset allocation 93.08% equity, 1.19% T-Bills, aur 0.29% futures hai. Top holdings mein Bharat Heavy Electricals Ltd., Torrent Power Ltd., aur Adani Energy Solutions Ltd. hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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?
Haan, Fund A, SBI Debt Fund ka 5Y return 12.09% hai, jo iska long-term return indicator hai. Fund B ka 5Y return 16.58% hai, lekin isme risk bhi adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund B ka volatility 14.71 hai, jo Fund A ke 3 ko kam hai. Sharpe ratio ke maamle mein bhi Fund A better hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.71% hai, jo Fund B ke 1.62% se kam hai. Isliye, Fund A 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