SBI Focused Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.92%
Today, we are comparing two popular funds in India - SBI Focused Fund and Baroda BNP Paribas Liquid Fund. Fund A is a Multi Cap fund, while Fund B is a Liquid Fund. Dekho, if you're planning to invest, this comparison will help you decide which fund suits your needs. In this article, we will discuss their performance, risk, cost, and portfolio diversification.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Baroda BNP Paribas |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 3208.35 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.11 |
| Sharpe Ratio | 0.88 | 3.82 |
| 1 Year Return (%) | 12.11% | 6.16% |
| 3 Year Return (%) | 18.13% | 6.92% |
| 5 Year Return (%) | 15.02% | 6.14% |
| Since Launch (%) | 15.63% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A is a clear winner for long-term wealth creation. Its 3Y return of 18.13% is significantly higher than Fund B's 6.92%. Lekin, it's essential to consider the expense ratio, which is 1.47% for Fund A and 0.12% for Fund B. Haan, the higher expense ratio makes Fund A a less attractive option. Chaliye, we will discuss this further in the subsequent sections.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
For a monthly SIP of 10+ years, we recommend Fund B. Its consistent returns and lower volatility make it a more suitable choice for long-term investors. Dekho, Fund B's 1Y return of 6.16% is lower than Fund A's 12.11%, but its stability and lower expense ratio make it a better option for SIPs.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A has a high riskometer rating of "Very High" and volatility of 13.25, while Fund B has a low riskometer rating of "Low" and volatility of 0.11. Sach ye hai, Fund B offers better risk-adjusted returns, thanks to its high Sharpe ratio of 3.82. Haan, the expense ratio of 0.12% for Fund B is also lower than Fund A's 1.47%.
📊 Portfolio Diversification
Now, let's compare the asset allocation of both funds. Fund A has a significant allocation to equity (76.29%), while Fund B has a high allocation to T-Bills (65.00%). Dekho, Fund B's asset allocation is more diversified, with a lower concentration of top holdings. Lekin, Fund A's top holdings of Alphabet Inc Class A (11.14%), State Bank of India (6.96%), and ICICI Bank Ltd. (6.59%) are also noteworthy.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
The fund with better returns in the long run is Fund A, with a 5Y return of 15.02% and a 3Y return of 18.13%. While Fund B's returns are stable, Fund A offers higher returns in the long run.
Q2: Is the higher risk fund worth it?
The higher risk fund, Fund A, is not worth it due to its high volatility of 13.25 and lower Sharpe ratio of 0.88. Fund B offers better risk-adjusted returns with a lower volatility and higher Sharpe ratio.
Q3: Which fund is more cost-effective?
Fund B is more cost-effective with an expense ratio of 0.12%, compared to Fund A's 1.47%. This makes Fund B a more attractive option for investors looking for lower costs.
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