SBI Focused Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.96%
Chaliye, dekho, today we're comparing two funds from different categories - SBI Focused Fund, a multi-cap fund, and Canara Robeco Liquid Fund, a liquid fund. We'll see how they perform in terms of returns, risk, and cost. If you're an investor looking to grow your wealth, this comparison will help you decide which fund is better for you.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Canara Robeco |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 3337.33 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.11 |
| Sharpe Ratio | 0.88 | 4.18 |
| 1 Year Return (%) | 12.11% | 6.22% |
| 3 Year Return (%) | 18.13% | 6.96% |
| 5 Year Return (%) | 15.02% | 6.13% |
| Since Launch (%) | 15.63% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Haaan, for long-term wealth creation, we think SBI Focused Fund is a better option. Its 3Y return of 18.13% is significantly higher than Canara Robeco Liquid Fund's 6.96%. Lekin, it's also more expensive with an expense ratio of 1.47%, which is higher than the liquid fund's 0.12%. Risk-wise, SBI Focused Fund has a very high riskometer, which may not be suitable for all investors. So, it's essential to assess your risk tolerance before investing in this fund.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
For a monthly SIP of 10+ years, we think SBI Focused Fund is still a better option. Although it's a multi-cap fund with higher risk, its returns are more stable in the long run. Canara Robeco Liquid Fund is a liquid fund, which means it's not suitable for long-term growth. Its returns are also lower compared to SBI Focused Fund. So, if you're looking for consistent returns over a long period, SBI Focused Fund is a better choice.
⚠️ Risk & Cost Analysis
Sach ye hai, risk and cost analysis is crucial before investing in any fund. SBI Focused Fund has a very high riskometer and high volatility of 13.25, which means it's a high-risk investment. Its Sharpe ratio is also lower at 0.88, indicating that it doesn't offer the best risk-adjusted returns. On the other hand, Canara Robeco Liquid Fund has a low riskometer and low volatility of 0.11, making it a safer investment. Its expense ratio is also lower at 0.12%, which means it's more cost-effective.
📊 Portfolio Diversification
Dekho, portfolio diversification is essential to minimize risk. SBI Focused Fund has a diversified portfolio with 76.29% in equity, 14.88% in foreign equity, and 0.74% in debenture. Its top three holdings are Alphabet Inc Class A, State Bank of India, and ICICI Bank Ltd. Canara Robeco Liquid Fund, on the other hand, has a more concentrated portfolio with 65% in T-Bills, 20% in CD, and 10% in CP. Its top three holdings are State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills. So, SBI Focused Fund has a more diversified portfolio with lower sector risk.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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?
SBI Focused Fund gives better returns in the long run with a 5Y return of 15.02% compared to Canara Robeco Liquid Fund's 6.13%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. SBI Focused Fund has a very high riskometer and high volatility, which means it's a high-risk investment. Its Sharpe ratio is also lower, indicating that it doesn't offer the best risk-adjusted returns.
Q3: Which fund is more cost-effective?
Canara Robeco Liquid Fund is more cost-effective with an expense ratio of 0.12% compared to SBI Focused Fund's 1.47%.
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