SBI Focused Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
11.02%
Dekho, aapke paas do funds hain, SBI Focused Fund aur HDFC Top 100 Fund. Ye dono funds Multi Cap aur Large Cap categories mein hain. Aaj hum aapko batayenge ki konsa fund aapke long-term wealth creation ke liye achha hai.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 432.21 | 14.66 |
| AUM (₹ Cr) | 4.60 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.31% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 13.05 |
| Sharpe Ratio | 0.88 | 0.35 |
| 1 Year Return (%) | 12.11% | -2.86% |
| 3 Year Return (%) | 18.13% | 11.02% |
| 5 Year Return (%) | 15.02% | 10.33% |
| Since Launch (%) | 15.63% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 50 |
| Top 3 Holdings | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 45% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye 3Y return, expense ratio aur risk ke hisaab se SBI Focused Fund aapke liye behtar fund hai. Is fund ka 3Y return 18.13% hai, jo ki HDFC Top 100 Fund ke 11.02% se zyada hai. Iske alawa, expense ratio bhi kam hai, 1.47% vs HDFC Top 100 Fund ka 0.31%.
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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
HDFC Top 100 Fund monthly SIP ke liye aapke liye behtar fund hai. Is fund ka 3Y return aur expense ratio thoda kam hai, jo ki long-term investment ke liye mahatvapoorn hai. Chaliye, SIP Suitability ke hisaab se aapko HDFC Top 100 Fund ka preference milega.
⚠️ Risk & Cost Analysis
Sach ye hai, SBI Focused Fund aapke liye risk-adequate returns deta hai. Is fund ka riskometer Very High hai, lekin Sharpe ratio 0.88 hai, jo ki HDFC Top 100 Fund ka 0.35 se zyada hai. Iske alawa, expense ratio bhi kam hai, 1.47% vs HDFC Top 100 Fund ka 0.31%.
📊 Portfolio Diversification
HDFC Top 100 Fund aapke liye behtar portfolio diversification deta hai. Is fund ka asset allocation Equity mein 96.00% hai, jo ki SBI Focused Fund ka 76.29% se zyada hai. Iske alawa, sector risk bhi kam hai, kyonki HDFC Top 100 Fund ka asset allocation T-Bills mein 4.00% hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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 aapke liye better returns deta hai. Is fund ka 5Y return 15.02% hai, jo ki HDFC Top 100 Fund ka 10.33% se zyada hai.
Q2: Is the higher risk fund worth it?
Nahin, HDFC Top 100 Fund aapke liye behtar fund hai. Is fund ka volatility kam hai, 13.05 vs SBI Focused Fund ka 13.25. Sharpe ratio bhi kam hai, 0.35 vs SBI Focused Fund ka 0.88.
Q3: Which fund is more cost-effective?
HDFC Top 100 Fund aapke liye cost-effective fund hai. Is fund ka expense ratio 0.31% hai, jo ki SBI Focused Fund ka 1.47% se kam 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