SBI Debt Fund vs UTI 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%
Ab aap logon ke liye ek sundar comparison hai Fund A aur Fund B ke beech. Fund A SBI Debt Fund Direct Plan Growth hai, jabki Fund B UTI Mutual Fund Liquid Fund Direct Plan Growth hai. Aaj hum aapko batayenge ki ye dono funds kaise perform karte hain aur aapke liye kis fund ki zaroorat hai.
| Parameter | ASBI Debt Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Debt | Liquid Fund |
| NAV (₹) | 13.73 | 5622.79 |
| AUM (₹ Cr) | 8.34 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.71% | 0.12% |
| Riskometer | Moderate | Low |
| Volatility | 3 | 0.11 |
| Sharpe Ratio | 2.67 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Haan, hum bata sakte hain ki Fund B better fund hai long-term wealth creation ke liye. Iska reason yeh hai ki fund B ka 3Y return 6.93% hai, jabki fund A ka 3Y return 14.51% hai. Lekin expense ratio ke mukabale hum dekhte hain ki fund B ka expense ratio 0.12% hai, jabki fund A ka 0.71% hai. Riskometer ke mukabale fund B low risk hai, jabki fund A moderate risk hai. Sakht hai, fund B hai yeh dono cheezon ka visheshan hai jo aapko long-term wealth creation ke liye better fund banati 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, hum SIP suitability ke baare mein baat karte hain. Fund B hai yeh fund jo monthly SIP ke liye better hai. Iska reason yeh hai ki fund B ka consistency aur return stability dono cheezon mein accha hai. Fund A ka 1Y return 4.95% hai, jabki fund B ka 1Y return 6.17% hai. Dekho, fund B ki consistency aur return stability fund A se acchi hai, lekin expense ratio ka mukabla hai. Haan, fund B ka expense ratio 0.12% hai, jabki fund A ka 0.71% hai.
⚠️ Risk & Cost Analysis
Riskometer ki baat karte hain. Fund B low risk hai, jabki fund A moderate risk hai. Volatility ke mukabale fund B ka volatility 0.11 hai, jabki fund A ka 3 hai. Sharpe ratio ke mukabale fund B ka Sharpe ratio 3.91 hai, jabki fund A ka 2.67 hai. Expense ratio ke mukabale fund B ka expense ratio 0.12% hai, jabki fund A ka 0.71% hai. Sakht hai, fund B hai yeh dono cheezon ka visheshan hai jo aapko better risk-adjusted returns banati hai.
📊 Portfolio Diversification
Asset allocation ke mukabale fund B ka asset allocation yeh hai: T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00%. Fund A ka asset allocation yeh hai: Debenture: 40.00%, SDL: 30.00%, T-Bills: 20.00%, GOI Sec: 10.00%. Top holdings concentration ke mukabale fund B ka top holdings concentration yeh hai: State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%). Fund A ka top holdings concentration yeh hai: National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%). Dekho, fund B ka portfolio diversification fund A se accha hai.
SIP Calculator – Compare Growth Potential
SBI Debt Fund
₹1351949.82
@14.5% annual return (3Y)
UTI 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?
Haan, fund B hai yeh fund jo better returns deta hai long run mein. Fund B ka 5Y return 6.11% hai, jabki fund A ka 5Y return 12.09% hai. Lekin expense ratio ke mukabale fund B ka expense ratio 0.12% hai, jabki fund A ka 0.71% hai.
Q2: Is the higher risk fund worth it?
Haan, fund A hai yeh fund jo high risk hai. Fund A ka riskometer moderate hai, jabki fund B ka low hai. Volatility ke mukabale fund A ka volatility 3 hai, jabki fund B ka 0.11 hai. Sharpe ratio ke mukabale fund A ka Sharpe ratio 2.67 hai, jabki fund B ka 3.91 hai. Sakht hai, fund A hai yeh fund jo high risk hai, lekin return bhi accha hai.
Q3: Which fund is more cost-effective?
Haan, fund B hai yeh fund jo cost-effective hai. Fund B ka expense ratio 0.12% hai, jabki fund A ka 0.71% hai. Sakht hai, fund B hai yeh fund jo cost-effective hai aur better returns deta 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