SBI Focused Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.98%
Welcome to this comparison of two Indian mutual funds, Fund A - SBI Focused Fund and Fund B - Bandhan Mutual Fund Liquid Fund. As a senior SEBI-registered financial advisor, I will guide you through a detailed analysis of these funds, focusing on their performance, risk, and cost. Dekho, this comparison will help you make an informed decision for your investment needs.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 39.33 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.12 |
| Sharpe Ratio | 0.88 | 4 |
| 1 Year Return (%) | 12.11% | 1.41% |
| 3 Year Return (%) | 18.13% | 6.98% |
| 5 Year Return (%) | 15.02% | 5.96% |
| Since Launch (%) | 15.63% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Manish Gunwani (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 45% | 251% |
🤖 AI Verdict – Which is Better?
Based on our analysis, Fund A - SBI Focused Fund seems a better choice for long-term wealth creation. Its 3Y return of 18.13% is significantly higher than Fund B's 6.98%. Moreover, its expense ratio of 1.47% is higher than Fund B's 0.12%. However, Fund A's riskometer rating of Very High indicates a higher risk. Chaliye, if you are willing to take on higher risk for potentially higher returns, Fund A might be the right choice.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
For a monthly SIP for 10+ years, Fund A - SBI Focused Fund is more suitable due to its higher returns and relatively stable performance. Its 5Y return of 15.02% is still higher than Fund B's 5.96%. Although Fund B provides liquidity, its returns are not consistent with Fund A's. Haan, for long-term growth, Fund A is a better bet.
⚠️ Risk & Cost Analysis
Comparing the two funds, Fund A - SBI Focused Fund has a higher riskometer rating of Very High, while Fund B - Bandhan Mutual Fund Liquid Fund has a Low rating. However, Fund A's volatility of 13.25 is higher than Fund B's 0.12. Lekin, Fund A's Sharpe ratio of 0.88 is better than Fund B's 4. Considering the higher risk, Fund A's Sharpe ratio suggests it offers better risk-adjusted returns.
📊 Portfolio Diversification
Portfolios of both funds are different. Fund A - SBI Focused Fund has a diversified portfolio with 76.29% in Equity, 14.88% in Forgn. Eq, and 0.74% in Debenture. In contrast, Fund B - Bandhan Mutual Fund Liquid Fund has a more concentrated portfolio with 65.00% in T-Bills, 20.00% in CD, and 10.00% in CP. Sach ye hai, Fund A's diversification strategy might provide better returns in the long run.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Based on 5Y returns, Fund A - SBI Focused Fund gives better returns with 15.02%. This makes it a better choice for long-term wealth creation.
Q2: Is the higher risk fund worth it?
Considering Fund A's higher volatility and higher Sharpe ratio, it offers better risk-adjusted returns. So, yes, the higher risk fund might be worth it for potentially higher returns.
Q3: Which fund is more cost-effective?
Based on the expense ratio, Fund B - Bandhan Mutual Fund Liquid Fund is more cost-effective with 0.12% compared to Fund A's 1.47%. So, Fund B is a cost-effective option for conservative investors.
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