SBI Focused Fund vs PPFAS 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%
Haan, dekho, today we're comparing Fund A - SBI Focused Fund - Direct Plan - Growth and Fund B - PPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth. Both funds are categorized as Multi Cap and are rated as Very High on the Riskometer. We'll find out which fund is better for long-term wealth creation.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Multi Cap | Multi Cap |
| NAV (₹) | 432.21 | 19.01 |
| AUM (₹ Cr) | 4.60 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1.47% | 1.68% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 14.1 |
| Sharpe Ratio | 0.88 | 1.02 |
| 1 Year Return (%) | 12.11% | 5.23% |
| 3 Year Return (%) | 18.13% | 20.86% |
| 5 Year Return (%) | 15.02% | 14.84% |
| 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) | Rajeev Thakkar (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% | 41% |
🤖 AI Verdict – Which is Better?
Chaliye, let's compare the funds. Fund B has a higher 3Y return of 20.86% compared to Fund A's 18.13%. Lekin, Fund A has a lower expense ratio of 1.47% compared to Fund B's 1.68%. Considering these factors, Fund B seems to be a better option for long-term wealth creation.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider PPFAS Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
Sach ye hai, if you're planning to invest through a Systematic Investment Plan (SIP) for 10+ years, Fund A might be a better option. Its 5Y return of 15.02% is higher than Fund B's 14.84%. Chaliye, let's see how consistent the returns are. Fund A's returns are more stable compared to Fund B, which is a good sign for long-term investors.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, and expense ratio are all important factors to consider when evaluating funds. Fund A has a very high riskometer rating, while Fund B also has a very high riskometer rating. Lekin, Fund B's Sharpe ratio of 1.02 is higher compared to Fund A's 0.88. However, Fund A has a lower expense ratio of 1.47% compared to Fund B's 1.68%. So, it's a close call, but Fund B seems to offer better risk-adjusted returns.
📊 Portfolio Diversification
Asset allocation and top holdings concentration are important factors to consider when evaluating funds. Fund A has a more diversified portfolio with 76.29% equity, 14.88% forgn. eq, 0.74% debenture, and 0.16% T-Bills. Fund B, on the other hand, has a more concentrated portfolio with 97.00% equity and 3.00% T-Bills. This makes Fund A a more diversified option.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
PPFAS 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 B gives better returns in the long run, with a 5Y return of 14.84% compared to Fund A's 15.02%. However, Fund A's 3Y return is higher at 18.13% compared to Fund B's 20.86%.
Q2: Is the higher risk fund worth it?
While Fund B has a higher Sharpe ratio, indicating better risk-adjusted returns, its volatility is also higher at 14.1 compared to Fund A's 13.25. So, it's a matter of personal risk tolerance.
Q3: Which fund is more cost-effective?
Fund A has a lower expense ratio of 1.47% compared to Fund B's 1.68%. This makes Fund A a more cost-effective option.
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