SBI Debt Fund vs Sundaram Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
22.93%
Baante karein, hamare paas do aisi fund hain jo aapko long-term wealth creation ke liye sahi dhang se guide kar sakti hain. Fund A SBI Debt Fund hai jo debt category mein aata hai, jabki Fund B Sundaram Mutual Fund Multi Cap Fund hai jo multi cap category mein aata hai.
Is article mein, hum aapko fund ke 1Y, 3Y aur 5Y return ke saath-saath expense ratio aur riskometer ke baare mein jaanne ka mauka de rahe hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BSundaram Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Sundaram Mutual Fund |
| Category | Debt | Multi Cap |
| NAV (₹) | 13.73 | 1431.56 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.65 Lac Cr |
| Expense Ratio (%) | 0.71% | 1.68% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 14.8 |
| Sharpe Ratio | 2.67 | 1.11 |
| 1 Year Return (%) | 4.95% | 6.91% |
| 3 Year Return (%) | 14.51% | 22.93% |
| 5 Year Return (%) | 12.09% | 19.07% |
| Since Launch (%) | N/A | 15.59% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 9 April 2018 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Ardhendu Bhattacharya; Ruchit Mehta (4.1 years yrs) | S. Krishnakumar (3.5 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 150% | 50% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum Fund A ko better fund maante hain. Fund A ka 3Y return 14.51% hai aur expense ratio 0.71% hai, jo Fund B ke 3Y return 22.93% aur expense ratio 1.68% se kam hai.
Haan, Fund B ka riskometer very high hai, lekin yeh fund market mein jyada volitility vali hai, jisse risk-adjusted returns kaafi kam jaata 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 Sundaram Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 22.93%
- AUM: 1.65 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Monthly SIP ke liye, Fund A better fund hai. Fund A ka 3Y return 14.51% hai, jo Fund B ke 3Y return 22.93% se kam hai. Lekin Fund A ka expense ratio 0.71% hai, jo Fund B ke expense ratio 1.68% se kam hai.
Chaliye, aapko aapka SIP investment plan banane mein madad karna hoga, lekin yeh fund aapko better returns de sakti hai.
⚠️ Risk & Cost Analysis
Hum riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karenge. Fund A ka riskometer moderate hai, jisse risk-adjusted returns kaafi accha hai. Fund B ka riskometer very high hai, lekin yeh fund market mein jyada volitility vali hai, jisse risk-adjusted returns kaafi kam jaata hai.
Sharpe ratio ke hisab se, Fund A 2.67 hai, jo Fund B ke Sharpe ratio 1.11 se bada hai. Expense ratio ke hisab se, Fund A ka expense ratio 0.71% hai, jo Fund B ke expense ratio 1.68% se kam hai.
📊 Portfolio Diversification
Asset allocation ka comparison karte samay, hum dekhte hain ki Fund A ka asset allocation debt fund ke liye sahi hai. Fund A ka 40% debenture aur 30% SDL mein invest hai, jo debt market mein jyada secure hai.
Fund B ka asset allocation multi cap fund ke liye sahi hai, lekin yeh fund market mein jyada risk vali hai. Fund B ka 97% equity mein invest hai, jo risk-adjusted returns kaafi kam jaata hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Sundaram Mutual Fund Multi Cap Fund
₹2318032.57
@22.9% 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?
Sach ye hai, Fund A ka 5Y return 12.09% hai, jo Fund B ke 5Y return 19.07% se kam hai. Haan, yeh fund aapko long-term wealth creation ke liye sahi dhang se guide kar sakti hai.
Q2: Is the higher risk fund worth it?
No, yeh higher risk fund worth nahi hai. Fund B ka riskometer very high hai aur volatility bhi jyada hai, jisse risk-adjusted returns kaafi kam jaata hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.71% hai, jo Fund B ke expense ratio 1.68% se kam hai. Lekin yeh fund aapko long-term wealth creation ke liye sahi dhang se guide kar sakti 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