SBI Focused Fund vs Mirae Asset 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
14.73%
Dekho, aap logon ko ek mahatvapoorn farmaan hai ek achha vyakti invest karna hai, lekin ismein bahut saari cheezein hain jo dhyaan mein leni hain. Is liye, aaj hum doh purane aur achhe funds ke bare mein batayenge. Fund A, SBI Focused Fund Direct Plan Growth hai, aur Fund B, Mirae Asset ELSS Tax Saver Fund Regular Plan Growth hai.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Multi Cap | ELSS |
| NAV (₹) | 432.21 | 48.73 |
| AUM (₹ Cr) | 4.60 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 1.47% | 1.62% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 13.85 |
| Sharpe Ratio | 0.88 | 0.59 |
| 1 Year Return (%) | 12.11% | 2.19% |
| 3 Year Return (%) | 18.13% | 14.73% |
| 5 Year Return (%) | 15.02% | 12.52% |
| Since Launch (%) | 15.63% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Neelesh Surana (10.5 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%) | HDFC Bank Ltd. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | Equity: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 45% | 69% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko batayenge ki yah fund kis fund se adhik achha hai long-term wealth creation ke liye. Dekho, Fund A ka 3Y return 18.13% hai, aur Fund B ka 14.73% hai. Iske alawa, Fund A ka expense ratio 1.47% hai, jo Fund B ke 1.62% se kam hai. Aur, Fund A ka riskometer bhi adhik hai, lekin sharpe ratio 0.88 hai, jo Fund B ke 0.59 se adhik hai.
Haaan, yeh sab batayenge ki Fund A adhik achha hai long-term wealth creation ke liye. Lekin, aapko yeh bhi yaad rakhna hoga ki fund investment mein khatarnaak hai, aur aapko apne investment ke liye apne vishwas ke anusaar nirnay lena hoga.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
SIP suitabality ke liye, hum chaliye Fund A aur Fund B ka 1Y aur 3Y return dekhte hain. Fund A ka 1Y return 12.11% hai, aur Fund B ka 2.19% hai. Iske alawa, Fund A ka 3Y return 18.13% hai, aur Fund B ka 14.73% hai.
Iske anusaar, Fund A adhik achha hai SIP ke liye, kyonki yeh adhik consistent returns deta hai. Lekin, aapko yeh bhi yaad rakhna hoga ki fund investment mein khatarnaak hai, aur aapko apne investment ke liye apne vishwas ke anusaar nirnay lena hoga.
⚠️ Risk & Cost Analysis
Chaliye, hum Fund A aur Fund B ka riskometer, volatility, sharpe ratio, aur expense ratio dekhte hain. Fund A ka riskometer Very High hai, aur Fund B ka bhi Very High hai. Iske alawa, Fund A ka volatility 13.25 hai, aur Fund B ka 13.85 hai.
Iske anusaar, Fund A aur Fund B dono hi khatarnaak hain, lekin Fund A adhik achha hai risk-adjusted returns ke liye. Fund A ka sharpe ratio 0.88 hai, jo Fund B ke 0.59 se adhik hai. Aur, Fund A ka expense ratio 1.47% hai, jo Fund B ke 1.62% se kam hai.
📊 Portfolio Diversification
Chaliye, hum Fund A aur Fund B ka asset allocation aur top holdings concentration dekhte hain. Fund A ka asset allocation equity mein 76.29% hai, aur foreign equity mein 14.88% hai. Iske alawa, Fund A ka top 3 holdings mein Alphabet Inc Class A, State Bank of India, aur ICICI Bank Ltd. hai.
Iske anusaar, Fund A ka asset allocation adhik diversified hai, aur top holdings concentration bhi thoda kam hai. Fund B ka asset allocation equity mein 99.11% hai, aur mutual fund mein 0% hai. Iske alawa, Fund B ka top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@14.7% 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?
Yeh sab batayenge ki Fund A adhik achha hai long-term wealth creation ke liye. Fund A ka 5Y return 15.02% hai, jo Fund B ka 12.52% se adhik hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund B ka volatility 13.85 hai, jo Fund A ka 13.25 se adhik hai. Iske alawa, Fund B ka sharpe ratio 0.59 hai, jo Fund A ka 0.88 se kam hai.
Q3: Which fund is more cost-effective?
Yeh sab batayenge ki Fund A adhik cost-effective hai. Fund A ka expense ratio 1.47% hai, jo Fund B ka 1.62% 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