SBI Focused Fund vs HSBC 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
6.93%
Dekho, aap logon ko hummein do mutual funds ke beech mein comparison karna hai. Fund A hai SBI Focused Fund Direct Plan Growth, jo multi cap category mein hai. Fund B hai HSBC Mutual Fund Liquid Fund Direct Plan Growth, jo liquid fund category mein hai. Aaj hum aapko batayenge ki yeh dono funds kaise chale hain aur aapko kya investment karne ke liye sunishchit karenge.
[VERDICT]| Parameter | ASBI Focused Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.11 |
| Sharpe Ratio | 0.88 | 3.91 |
| 1 Year Return (%) | 12.11% | 6.17% |
| 3 Year Return (%) | 18.13% | 6.93% |
| 5 Year Return (%) | 15.02% | 6.11% |
| Since Launch (%) | 15.63% | 50.63% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A hai apne 3Y return ke liye behtar. Uska 3Y return 18.13% hai, jo ki Fund B ka 6.93% se bahut alag hai. Lekin expense ratio ke hisab se, Fund B hai behtar. Uska expense ratio 0.13% hai, jo ki Fund A ka 1.47% se kam hai. Haan, Fund A ka riskometer Very High hai, lekin Fund B ka Low hai. To, agar aap long-term wealth creation ke liye invest karna chahte hain, to Fund A hi behtar hai.
[SIP_SUITABILITY]Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP karnay ke liye, Fund B hai behtar. Iske 1Y return, 3Y return, aur 5Y return sabhi bahut stable hain. Issey, aapko jyada risk nahi karna padega. Fund A ka 1Y return aur 5Y return aisa hi hai, lekin uska 3Y return bahut accha hai. Lekin SIP ke liye stability zaroori hai, isliye Fund B hi behtar hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Haan, ab hum riskometer, volatility, Sharpe ratio, expense ratio ke hisab se Fund B ko compare karenge. Fund B ka riskometer Low hai, jo ki Fund A ka Very High se bahut alag hai. Uska volatility bhi kam hai, jo ki 0.11 hai. Sharpe ratio ke hisab se, Fund B hi behtar hai, jiska Sharpe ratio 3.91 hai. Lekin expense ratio ke hisab se, Fund B hai behtar, jiska expense ratio 0.13% hai. To, Fund B hi risk-adjusted returns ke liye behtar hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ke hisab se Fund B ko compare karenge. Fund B ka asset allocation bahut stable hai, jismein T-Bills, CD, CP, aur Cash sabhi shamil hain. Lekin Fund A ka asset allocation bahut alag hai, jismein Equity, Foreign Equity, Debenture, aur T-Bills sabhi shamil hain. To, Fund B ka asset allocation bahut stable hai. Lekin top holdings concentration ke hisab se, Fund B ka concentration bahut kam hai, jismein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills sabhi shamil hain.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@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?
Sach ye hai, Fund A hai apne 5Y return ke liye behtar. Uska 5Y return 15.02% hai, jo ki Fund B ka 6.11% se kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk hai, lekin uska Sharpe ratio bhi kam hai. Uska Sharpe ratio 0.88 hai, jo ki Fund B ka 3.91 se bahut kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B hai expense ratio ke hisab se behtar. Uska expense ratio 0.13% hai, jo ki Fund A 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