SBI Focused Fund vs DSP 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
6.77%
Dekho, aaj hum do fundon ke beech ka comparison karne ja rahe hain. SBI Focused Fund (Fund A) ek multi-cap fund hai, jabki DSP Liquid Fund (Fund B) ek liquid fund hai. Aapke paas 10+ saal ke liye SIP karna hai, toh kya Fund A ya Fund B better hai? Chaliye, aapko yeh sab jaan karne ke liye yeh comparison padhna hoga.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 89.77 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.12 |
| Sharpe Ratio | 0.88 | 2.25 |
| 1 Year Return (%) | 12.11% | 2.95% |
| 3 Year Return (%) | 18.13% | 6.77% |
| 5 Year Return (%) | 15.02% | 5.92% |
| Since Launch (%) | 15.63% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
Haan, yeh to saabit ho gaya hai ki Fund A ek high-risk fund hai, lekin 3-saal ke return mein 18.13% ka return diya hai, jo bahut accha hai. Toh, long-term wealth creation ke liye, Fund A better hai. Lekin expense ratio bhi kam hona chahiye, jo 1.47% hai. Fund B ek low-risk fund hai, lekin return bhi kam hai.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP karna 10+ saal ke liye hai, toh consistency aur return stability ka check karna bahut zaroori hai. Fund A ke 3-saal ke return 18.13% hai, jabki Fund B ka 3-saal ke return 6.77% hai. Lekin, expense ratio mein bhi Fund B accha hai. Toh, SIP ke liye Fund B better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka compare karein. Fund A ka riskometer very high hai, volatility 13.25 hai, jabki Sharpe ratio 0.88 hai. Fund B ka riskometer low hai, volatility 0.12 hai, jabki Sharpe ratio 2.25 hai. Toh, risk-adjusted return ke liye Fund B better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka compare karein. Fund A ka equity 76.29% hai, foreign equity 14.88% hai, aur debenture 0.74% hai. Fund B ka asset allocation T-Bills, CD, CP, aur cash mein hai. Fund A ka top holdings concentration Alphabet Inc Class A, State Bank of India, aur ICICI Bank Ltd. mein hai. Fund B ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Toh, Fund A ka portfolio diversification accha hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% 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 ki Fund A 5-saal ke return mein 15.02% hai, jo Fund B ke 5-saal ke return 5.92% se accha hai. Toh, long run mein Fund A better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility 13.25 hai, jabki Sharpe ratio 0.88 hai. Fund B ka volatility 0.12 hai, jabki Sharpe ratio 2.25 hai. Toh, risk-adjusted return ke liye Fund B better hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye Fund B accha hai, jo 0.12% hai. Fund A ka expense ratio 1.47% hai. Toh, cost-effectiveness ke liye Fund B better 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