SBI Focused Fund vs LIC Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
20.86%
Dekho, aapke paas do funds hain jo Multi Cap Category mein aate hain. Fund A hai SBI Focused Fund aur Fund B hai LIC Mutual Fund Multi Cap Fund. Ye dono funds apne vishesh features aur performance ke liye jaane jaate hain. Ye article aapko Fund A aur Fund B ke beech ka comparison karega aur aapko sahi fund chunne mein madad karega.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 432.21 | 19.01 |
| AUM (₹ Cr) | 4.60 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 1.47% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 13.9 |
| Sharpe Ratio | 0.88 | 1.03 |
| 1 Year Return (%) | 12.11% | 5.23% |
| 3 Year Return (%) | 18.13% | 20.86% |
| 5 Year Return (%) | 15.02% | 11.46% |
| Since Launch (%) | 15.63% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Yogesh Patil (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 45% | 38% |
🤖 AI Verdict – Which is Better?
Chaliye, hamara verdict hai ki Fund A, SBI Focused Fund, zyada accha hai long-term wealth creation ke liye. Ye fund 3Y return mein 18.13% ki return di hai, jo ki Fund B se 2.71% zyada hai. Lekin, expense ratio mein bhi Fund B kam hai, 1.68% ki comparison mein 1.47% hai Fund A ka. Haan, Fund A ki riskometer bhi zyada hai, lekin Sharpe ratio mein bhi Fund A ki performance acchi 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 LIC Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
SIP (Systematic Investment Plan) suitability ke liye, hum dekhenge ki fund ka consistency aur return stability kya hai. Fund A ki 1Y return 12.11% hai, jo ki Fund B se 7.88% zyada hai. Lekin, 3Y return mein Fund B ki performance acchi hai, 20.86% ki comparison mein 18.13% hai Fund A ka. Haan, Fund A ki asset allocation bhi zyada diversified hai, jisse SIP ke liye iska risk zyada kam hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye comparison karne par, hum dekhte hain ki Fund A ki expense ratio 1.47% hai, jo ki Fund B se kam hai. Volatility mein bhi Fund A zyada kam hai, 13.25 ki comparison mein 13.9 hai Fund B ka. Haan, Sharpe ratio mein bhi Fund A ki performance acchi hai, 0.88 ki comparison mein 1.03 hai Fund B ka.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye comparison karne par, hum dekhte hain ki Fund A ki asset allocation zyada diversified hai, Equity 76.29%, Foreign Equity 14.88%, Debenture 0.74%, aur T-Bills 0.16%. Fund B ki asset allocation mein bhi Equity 97.00% hai, aur T-Bills 3.00%. Haan, Fund A ki top holdings mein Alphabet Inc Class A 11.14%, State Bank of India 6.96%, aur ICICI Bank Ltd. 6.59% hai, jo ki Fund B ki top holdings mein HDFC Bank Ltd. 6.5%, ICICI Bank Ltd. 5.8%, aur Reliance Industries Ltd. 4.9% hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
LIC Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Fund A, SBI Focused Fund, 5Y return mein 15.02% ki return di hai, jo ki Fund B se 3.56% zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki higher risk fund worth hai, kyonki uski Sharpe ratio 0.88 hai, jo ki Fund B ki 1.03 se kam hai, lekin uski expense ratio 1.47% hai, jo ki Fund B se kam hai.
Q3: Which fund is more cost-effective?
Fund A, SBI Focused Fund, expense ratio 1.47% hai, jo ki Fund B se kam hai, 1.68%.
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