SBI Debt Fund vs Tata Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.51%
3Y Return
6.93%
Aaj hum donon funds ki comparison karne wale hain - SBI Debt Fund aur Tata Mutual Fund Liquid Fund. Dekho, kya donon funds aapke long-term wealth creation ke liye sahi hain ya nahi? Is article mein hum donon funds ki jarooratien aur features ko compare karenge.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.13 |
| Sharpe Ratio | 2.67 | 3.31 |
| 1 Year Return (%) | 4.95% | 6.17% |
| 3 Year Return (%) | 14.51% | 6.93% |
| 5 Year Return (%) | 12.09% | 6.11% |
| Since Launch (%) | N/A | 50.63% |
| 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) | Sonam Udasi (3.5 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% | 297% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye Fund A (SBI Debt Fund) better hai. Iska 3Y return 14.51% hai, jo Fund B (Tata Mutual Fund Liquid Fund) ki 6.93% se adhik hai. Lekin expense ratio bhi ek bada factor hai. Fund A ka expense ratio 0.71% hai, jo Fund B ke 0.12% se adhik hai. Isliye, fund selection ke liye apni investment goals aur risk tolerance ko dhyan mein rakhein.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Aapka monthly SIP 10+ saal ke liye rakhna chahte hain, to Fund B aur Fund A donon aapke liye suitable hain. Lekin Fund B ka return stability aur consistency ke liye adhik accha hai. Isliye, Fund B aapke monthly SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ki comparison karne se pata chalta hai ki Fund B aapko better risk-adjusted returns offer kar sakta hai. Iska expense ratio 0.12% hai, jo Fund A ke 0.71% se kam hai. Isliye, Fund B aapke liye adhik cost-effective fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ki comparison karne se pata chalta hai ki Fund B aapke liye adhik diversified fund hai. Iska asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai. Lekin Fund A ka asset allocation SDL, Debenture, T-Bills, aur GOI Sec mein 30%, 40%, 20%, aur 10% hai. Isliye, Fund B aapke portfolio mein adhik diversification offer karta hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@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?
Sach ye hai, Fund A ka 5Y return 12.09% hai, jo Fund B ke 6.11% se adhik hai. Lekin Fund B ka 3Y return 6.93% hai, jo Fund A ke 14.51% se kam hai. Isliye, Fund A long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund A ka volatility 3 hai, jo Fund B ke 0.13 se adhik hai. Lekin Fund A ka Sharpe ratio 2.67 hai, jo Fund B ke 3.31 se kam hai. Isliye, Fund A ka risk adhik hai, lekin Fund B ka return adhik stable hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.71% se kam hai. Isliye, Fund B aapke liye adhik cost-effective fund 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