SBI Debt Fund vs UTI 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%
dekho, aaj hum do fundon ka compare karne ja rahe hain - SBI Debt Fund aur UTI Mutual Fund Large Cap Fund. Ye dono fund different categories mein hain - debt aur large cap. aaj hum jaanege ki kya fund long-term mein better hai aur kis fund ki SIP suitabi hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Debt | Large Cap |
| NAV (₹) | 13.73 | 497.22 |
| AUM (₹ Cr) | 8.34 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.52% |
| Riskometer | Moderate | Very High |
| Volatility | 3 | 11.79 |
| Sharpe Ratio | 2.67 | 0.7 |
| 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) | V. Srivatsa (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% | 21% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye hume 3Y return, expense ratio aur risk ko dekhna hai. dekho, SBI Debt Fund ka 3Y return 14.51% hai aur expense ratio 0.71% hai, jabki UTI Mutual Fund Large Cap Fund ka 3Y return 14.7% hai aur expense ratio 0.52% hai. lekin riskometer aur volatility ko dekhkar UTI Mutual Fund Large Cap Fund riskier lagta hai. sach ye hai, SBI Debt Fund better hai long-term wealth creation ke liye.
Why consider SBI Debt Fund?
- Expense ratio: 0.71%
- 3Y return: 14.51%
- AUM: 8.34 Lac Cr
- Sharpe Ratio: 2.67
Why consider UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
sip ke liye hume consistency aur return stability ka dhyan dena hai. dekho, SBI Debt Fund ka 1Y return -4.02% hai, jabki 3Y return 14.51% hai aur 5Y return 12.09% hai. UTI Mutual Fund Large Cap Fund ka 1Y return -4.02% hai, jabki 3Y return 14.7% hai aur 5Y return 12.03% hai. lekin SBI Debt Fund ka 5Y return thoda kam hai. haan, SBI Debt Fund ki SIP suitabi hai khaas kar 10+ saal ke liye.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio aur expense ratio ka compare karte hain. SBI Debt Fund ka riskometer moderate hai, jabki UTI Mutual Fund Large Cap Fund ka riskometer very high hai. volatility ke liye SBI Debt Fund ka volatility 3 hai, jabki UTI Mutual Fund Large Cap Fund ka volatility 11.79 hai. Sharpe ratio ke liye SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki UTI Mutual Fund Large Cap Fund ka Sharpe ratio 0.7 hai. expense ratio ke liye SBI Debt Fund ka expense ratio 0.71% hai, jabki UTI Mutual Fund Large Cap Fund ka expense ratio 0.52% hai. sach ye hai, SBI Debt Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration ka compare karte hain. SBI Debt Fund ka asset allocation debt mein hai - debenture 40.00%, SDL 30.00%, T-Bills 20.00% aur GOI Sec 10.00%. UTI Mutual Fund Large Cap Fund ka asset allocation large cap mein hai - equity 96.00% aur T-Bills 4.00%. top holdings concentration ke liye SBI Debt Fund ka top 3 holdings National Bank For Agriculture And Rural Development, Power Finance Corporation Ltd. aur Rural Electrification Corporation Ltd. hai. haan, SBI Debt Fund ki asset allocation better diversified hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
UTI 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, SBI Debt Fund ka 5Y return 12.09% hai aur 3Y return 14.51% hai, jabki UTI Mutual Fund Large Cap Fund ka 5Y return 12.03% hai aur 3Y return 14.7% hai. lekin SBI Debt Fund better hai long-term mein.
Q2: Is the higher risk fund worth it?
dekho, UTI Mutual Fund Large Cap Fund ka riskometer very high hai aur volatility 11.79 hai, jabki SBI Debt Fund ka riskometer moderate hai aur volatility 3 hai. Sharpe ratio ke liye SBI Debt Fund ka Sharpe ratio 2.67 hai, jabki UTI Mutual Fund Large Cap Fund ka Sharpe ratio 0.7 hai. haan, SBI Debt Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
dekho, SBI Debt Fund ka expense ratio 0.71% hai, jabki UTI Mutual Fund Large Cap Fund ka expense ratio 0.52% hai. haan, UTI Mutual Fund Large Cap 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