SBI Debt Fund vs Tata Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
14.7%
Agar aapko seekhna hai ki debt aur large cap funds mein kya farq hai, aur aapke investment ke liye kis fund ki madad karega, to aaj aapke paas ek accha news hai! Aaj hum aapko SBI Debt Fund aur Tata Mutual Fund Large Cap Fund ke beech ka comparison karne wale hain.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BTata Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 1.93 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 12.94 |
| Sharpe Ratio | 2.67 | 0.63 |
| 1 Year Return (%) | 4.95% | -4.02% |
| 3 Year Return (%) | 14.51% | 14.7% |
| 5 Year Return (%) | 12.09% | 12.03% |
| Since Launch (%) | N/A | 11.65% |
| 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) | Sonam Udasi (3.5 years yrs) |
| Benchmark | CRISIL Composite Bond Fund Index | Nifty 50 |
| 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 150% | 32% |
🤖 AI Verdict – Which is Better?
Haan, aaj ke comparison mein humein ek sahi fund milta hai. Fund B, Tata Mutual Fund Large Cap Fund, apne 3Y return aur expense ratio ke liye pehle aayega. Lekin Fund A, SBI Debt Fund, apne riskometer aur volatility ke liye bahut accha hai. To, aisa lagta hai ki Fund A long-term wealth creation ke liye better 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 Tata Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.93 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
SIP ke liye Fund A aur Fund B dono acche hain, lekin Fund A ka consistency aur return stability thoda jyada hai. Isliye, agar aap ek monthly SIP ke liye 10+ years ke liye invest karna chahte hain, to Fund A aapke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye Fund A thoda jyada accha hai. Lekin Fund B ka 1Y return negative hai, jo kaafi choti si ghatak hai. Isliye, risk-adjusted returns ke liye Fund A better hai.
📊 Portfolio Diversification
Fund A aur Fund B ke asset allocation mein kai farq hain. Fund A mein debentures, SDL, T-Bills aur GOI Sec hain, jabki Fund B mein equity aur T-Bills hain. Top holdings mein bhi kuchh difference hai. Lekin Fund A ka asset allocation thoda jyada diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Tata Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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, jabki Fund B ka 12.03% hai. Isliye, Fund A long-run mein better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka 3Y return thoda jyada hai, lekin uska volatility 12.94 hai, jo Fund A ka 3 hai. Isliye, Fund B ka higher risk aapke liye nahi hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.52% hai, jo Fund A ka 0.71% se thoda kam hai. Isliye, Fund B 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