SBI Focused Fund vs Old Bridge Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
12.3%
Dekho, aap logon ke paas do fund options hain Fund A aur Fund B. Fund A SBI Focused Fund hai jo Multi Cap category mein aata hai, jabki Fund B Old Bridge Mutual Fund Balanced Advantage Fund hai jo Balanced Hybrid category mein aata hai. Yeh article aapko batayega ki dono fundon ka comparison kaise karein aur aapke liye kaisa hoga.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Multi Cap | Balanced Hybrid |
| NAV (₹) | 432.21 | 16.39 |
| AUM (₹ Cr) | 4.60 Lac Cr | 1.58 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.78% |
| Riskometer | Very High | Moderately High |
| Volatility | 13.25 | 9.11 |
| Sharpe Ratio | 0.88 | 0.64 |
| 1 Year Return (%) | 12.11% | 3.08% |
| 3 Year Return (%) | 18.13% | 12.3% |
| 5 Year Return (%) | 15.02% | 5.27% |
| Since Launch (%) | 15.63% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 45% | 145% |
🤖 AI Verdict – Which is Better?
Haan, hume dikhaya hai ki Fund A 3Y return mein se better hai (18.13% vs 12.3%) aur expense ratio mein se kam hai (1.47% vs 0.78%). Lekin Fund A ka riskometer Very High hai, jisse yeh fund high risk hai. To, aapko decision karni hogi ki aap high risk le sakte hain ya nahi. Fund B Moderately High risk hai, jisse yeh fund kam risk wala 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 Old Bridge Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.58 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Chaliye, hum SIP suitability ka peecha karte hain. Fund A ka 3Y return thoda unstable hai, lekin Fund B ka return stable hai. Lekin Fund A ka AUM bahut high hai (46041.95 Cr), jisse yeh fund stability ka indication deta hai. To, Fund B better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund A Very High risk hai, jabki Fund B Moderately High risk hai. Lekin volatility ke hisab se, Fund B kam risk wala hai (9.11 vs 13.25). Sharpe ratio ke hisab se, Fund B better hai (0.64 vs 0.88). Yeh sab baatein dekhte hue, hume lagta hai ki Fund B risk-adjusted returns mein se better hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A ka portfolio mein Equity 76.29% hai, jabki Fund B mein Equity 65.00% hai. Fund A ka portfolio mein Foreign Equity 14.88% hai, jabki Fund B mein Debt 30.00% hai. Top holdings ke hisab se, Fund A mein Alphabet Inc Class A 11.14% hai, jabki Fund B mein HDFC Bank Ltd. 6.8% hai. Yeh sab baatein dekhte hue, hume lagta hai ki Fund A ka portfolio thoda undiversified hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Old Bridge Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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, 5Y return ke hisab se, Fund A better hai (15.02% vs 5.27%).
Q2: Is the higher risk fund worth it?
Haan, Fund A ka higher risk fund hai, lekin volatility ke hisab se, yeh fund kam risk wala hai. Sharpe ratio ke hisab se, Fund A better hai (0.88 vs 0.64). To, aapko decision karni hogi ki aap high risk le sakte hain ya nahi.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B expense ratio mein se kam hai (0.78% vs 1.47%). Lekin exit load ke hisab se, koi information nahi di gayi hai. To, Fund B aapke liye cost-effective hoga.
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