SBI Focused Fund vs Navi Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
14.7%
Chaliye, dekho, let's compare two top-performing funds in India - SBI Focused Fund and Navi Mutual Fund Large Cap Fund. Both funds are high-risk, high-reward options. Let's see which one is better for long-term wealth creation.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BNavi Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Multi Cap | Large Cap |
| NAV (₹) | 432.21 | 497.22 |
| AUM (₹ Cr) | 4.60 Lac Cr | 2.51 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.52% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 12.72 |
| Sharpe Ratio | 0.88 | 0.64 |
| 1 Year Return (%) | 12.11% | -4.02% |
| 3 Year Return (%) | 18.13% | 14.7% |
| 5 Year Return (%) | 15.02% | 12.03% |
| Since Launch (%) | 15.63% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Sonam Udasi; Amey Sathe (9.2 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% | 30% |
🤖 AI Verdict – Which is Better?
Haan, our verdict is clear. Based on 3Y return, expense ratio, and risk, SBI Focused Fund is a better choice for long-term wealth creation. It has a higher 3Y return (18.13%) and is more aggressive in its investment strategy, which aligns with its multi-cap category.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Navi Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.51 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Lekin, when it comes to SIP (Systematic Investment Plan), Navi Mutual Fund Large Cap Fund is a better option. Its consistency and return stability over the long term make it suitable for investors who invest regularly over 10+ years. Fund B has a lower volatility and Sharpe ratio compared to Fund A, which is beneficial for SIP investors.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A offers better risk-adjusted returns. It has a higher Sharpe ratio (0.88) and lower volatility (13.25) compared to Fund B. However, Fund B has a lower expense ratio (0.52% vs 1.47%). It's essential to weigh these factors before investing.
📊 Portfolio Diversification
Haan, let's compare the portfolio diversification of both funds. SBI Focused Fund has a more diversified portfolio with 76.29% equity allocation and 14.88% foreign equity allocation. Navi Mutual Fund Large Cap Fund is more concentrated, with 96% equity allocation. This makes SBI Focused Fund more suitable for investors who want to reduce their risk exposure.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Navi Mutual Fund Large Cap Fund
₹1367804.07
@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?
SBI Focused Fund gives better returns in the long run, with a 5Y return of 15.02% and 3Y return of 18.13%. In comparison, Navi Mutual Fund Large Cap Fund has 5Y return of 12.03% and 3Y return of 14.7%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. While SBI Focused Fund has a higher Sharpe ratio (0.88), its volatility is also higher (13.25). Navi Mutual Fund Large Cap Fund has a lower volatility (12.72) and Sharpe ratio (0.64), making it a more stable option.
Q3: Which fund is more cost-effective?
Navi Mutual Fund Large Cap Fund is more cost-effective, with an expense ratio of 0.52% compared to SBI Focused Fund's 1.47%. This makes Fund B a better option for investors who want to save on costs.
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