SBI Debt Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
13.45%
Yeh dono funds SBI ke hain, lekin ek debt fund aur doosra small cap fund. Debt fund mein aapka paisa debt instruments mein lagaaya jata hai, jaise debentures, SDL, aur T-Bills. Small cap fund mein pehle bhi aapka paisa equity mein lagaaya jata hai, lekin ismein bhi kuch cash aur equivalents hote hain. Aaj hum dekhangay ki dono funds mein kya kya aisa hai aur kis fund mein aapko invest karna chahiye.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Debt | Small Cap |
| NAV (₹) | 13.73 | 192.12 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.82% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 17.83 |
| Sharpe Ratio | 2.67 | 0.39 |
| 1 Year Return (%) | 4.95% | 0.06% |
| 3 Year Return (%) | 14.51% | 13.45% |
| 5 Year Return (%) | 12.09% | 14.57% |
| Since Launch (%) | N/A | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | R. Srinivasan (10.2 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty Smallcap 250 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%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 150% | 23% |
🤖 AI Verdict – Which is Better?
Yeh dono funds alag-alag category mein hain, lekin humein long-term wealth creation ke liye ek fund chunna hai. Dono funds ke 3Y returns compare karayen to. SBI Debt Fund ka 3Y return 14.51% hai, jabki SBI Small Cap Fund ka 3Y return 13.45% hai. Lekin expense ratio ke liye SBI Debt Fund bhi bhi kam hai, 0.71% hai. Aur yeh bhi important hai ki SBI Debt Fund ka riskometer moderate hai, jabki SBI Small Cap Fund ka riskometer very high hai. Haan, humein SBI Debt Fund ko better fund mana 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye dono funds ke liye kya hai? SBI Debt Fund ka 3Y return consistent hai, aur yeh fund 5Y return mein bhi achha hai. Lekin SBI Small Cap Fund ka 1Y return kam hai, lekin yeh fund 5Y return mein accha hai. Lekin agar aapko SIP ke liye ek fund chunna hai to, SBI Debt Fund ka consistency aur return stability kaafi accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karein. SBI Debt Fund ka riskometer moderate hai, volatility 3 hai, Sharpe ratio 2.67 hai, aur expense ratio 0.71% hai. Lekin SBI Small Cap Fund ka riskometer very high hai, volatility 17.83 hai, Sharpe ratio 0.39 hai, aur expense ratio 0.82% hai. Haan, SBI Debt Fund mein aapko better risk-adjusted returns milenge.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karein. SBI Debt Fund mein debenture, SDL, T-Bills, aur GOI Sec mein lagbhag 100% paisa lagaaya hai. Lekin SBI Small Cap Fund mein equity mein lagbhag 91% paisa lagaaya hai. Aur top holdings mein SBI Debt Fund mein National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd., aur Rural Electrification Corporation Ltd. hai. Lekin SBI Small Cap Fund mein Aarti Drugs Ltd., Hatsun Agro Product Ltd., aur National Aluminium Company Ltd. hai. Haan, SBI Debt Fund ka asset allocation aur top holdings concentration mein SBI Small Cap Fund se thoda bhi accha hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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?
SBI Debt Fund ka 5Y return 12.09% hai, jabki SBI Small Cap Fund ka 5Y return 14.57% hai. Lekin SBI Small Cap Fund ka riskometer very high hai, aur expense ratio bhi kam hai. Haan, SBI Small Cap Fund long-term mein accha hai.
Q2: Is the higher risk fund worth it?
SBI Small Cap Fund ka volatility 17.83 hai, aur Sharpe ratio 0.39 hai. Lekin SBI Debt Fund ka volatility 3 hai, aur Sharpe ratio 2.67 hai. Haan, SBI Debt Fund mein aapko better risk-adjusted returns milenge.
Q3: Which fund is more cost-effective?
SBI Debt Fund ka expense ratio 0.71% hai, jabki SBI Small Cap Fund ka expense ratio 0.82% hai. Haan, 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