SBI Focused Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
16.22%
Ek baar phir hum dekhne wale hain do funds ko - SBI Focused Fund aur HDFC ELSS Tax Saver Fund. Ye dono funds apne riske ke hisaab se very high riskometer ke saath aaye hain. Dekho, humein yeh jaanne ki zaroori hai ki kis fund ki long-term ke liye better hai.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | ELSS |
| NAV (₹) | 432.21 | 1325.00 |
| AUM (₹ Cr) | 4.60 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 1.47% | 1.24% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 13.3 |
| Sharpe Ratio | 0.88 | 0.73 |
| 1 Year Return (%) | 12.11% | -5.24% |
| 3 Year Return (%) | 18.13% | 16.22% |
| 5 Year Return (%) | 15.02% | 16.62% |
| Since Launch (%) | 15.63% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 TRI |
| Top 3 Holdings | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 45% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, HDFC ELSS Tax Saver Fund chahiye long-term ke liye. Ek baar dekho, 3Y return me HDFC ELSS Tax Saver Fund 16.22% ki return diya hai, jabki SBI Focused Fund ke 3Y return 18.13% hi hain. Lekin, HDFC ELSS Tax Saver Fund ka expense ratio kam hai, 1.24% hi hai, jabki SBI Focused Fund ka 1.47% hai. Haan, isliye HDFC ELSS Tax Saver Fund better hai long-term ke liye.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
Aapko ek monthly SIP ke liye 10+ saal ke liye fund ka chayan karna hai. Ismein consistency aur return stability ka dhyan dena hoga. Dekho, HDFC ELSS Tax Saver Fund ke 1Y return negative tha, lekin 3Y return aur 5Y return mein iska return accha tha. SBI Focused Fund ka 1Y return bhi accha tha, lekin 3Y return aur 5Y return mein iska return HDFC ELSS Tax Saver Fund se kam tha. Haan, isliye HDFC ELSS Tax Saver Fund SIP ke liye vishesh roop se suitable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi ka dhyan dena hoga. Dekho, SBI Focused Fund ka riskometer very high hai, lekin HDFC ELSS Tax Saver Fund ka bhi very high hai. SBI Focused Fund ka volatility 13.25 hai, lekin HDFC ELSS Tax Saver Fund ka 13.3 hai. Sharpe ratio mein bhi SBI Focused Fund kam hi hai, 0.88 hai. Haan, lekin HDFC ELSS Tax Saver Fund ka expense ratio kam hai, 1.24% hai. Isliye, HDFC ELSS Tax Saver Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko dekhna hoga. Dekho, HDFC ELSS Tax Saver Fund ki asset allocation mein 96.57% equity hai, jabki SBI Focused Fund mein 76.29% equity hai. HDFC ELSS Tax Saver Fund ka top 3 holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Axis Bank Ltd. hai, jabki SBI Focused Fund ka top 3 holdings mein Alphabet Inc Class A, State Bank of India, aur ICICI Bank Ltd. hai. Haan, isliye HDFC ELSS Tax Saver Fund aur SBI Focused Fund mein sector risk ka hisab lagaana hoga.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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, HDFC ELSS Tax Saver Fund 5Y return 16.62% diya hai, jabki SBI Focused Fund ka 5Y return 15.02% hai.
Q2: Is the higher risk fund worth it?
Dekho, SBI Focused Fund ka volatility 13.25 hai, jabki HDFC ELSS Tax Saver Fund ka 13.3 hai. Sharpe ratio mein bhi SBI Focused Fund kam hai, 0.88 hai. Haan, lekin HDFC ELSS Tax Saver Fund ka expense ratio kam hai, 1.24% hai.
Q3: Which fund is more cost-effective?
Sach ye hai, HDFC ELSS Tax Saver Fund ka expense ratio kam hai, 1.24% hai, jabki SBI Focused Fund ka 1.47% 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