SBI Focused Fund vs SBI 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
19.98%
Yeh hain do funds, SBI Focused Fund aur SBI ELSS Tax Saver Fund. Dono fund ek hi company ke hain - SBI, lekin inki categories aur investment strategy alag-alag hain. Is article mein, hum aapko compare karenge in do funds ke 3Y return, expense ratio, aur risk ke basis par.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Multi Cap | ELSS |
| NAV (₹) | 432.21 | 462.73 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.93% |
| Riskometer | Very High | Very High |
| Volatility | 13.25 | 15.53 |
| Sharpe Ratio | 0.88 | 0.87 |
| 1 Year Return (%) | 12.11% | -1.1% |
| 3 Year Return (%) | 18.13% | 19.98% |
| 5 Year Return (%) | 15.02% | 17.91% |
| Since Launch (%) | 15.63% | 15.42% |
| 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) | Milind Agrawal (0.4 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%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 45% | 37% |
🤖 AI Verdict – Which is Better?
Sach ye hai, SBI ELSS Tax Saver Fund 5Y return ke liye better hai, lekin expense ratio aur riskometer ke liye SBI Focused Fund better hai. Dekho, 3Y return ke liye SBI ELSS Tax Saver Fund 19.98% return diya hai, lekin SBI Focused Fund ka expense ratio 1.47% hai, jo SBI ELSS Tax Saver Fund ka expense ratio 0.93% se kam 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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
SIP ke liye, SBI ELSS Tax Saver Fund better hai. Iska 3Y return 19.98% hai, jo SBI Focused Fund ka 3Y return 18.13% se jyada hai. Lekin, SBI Focused Fund ka expense ratio kam hai, jisse aapko jyada paise bachenge.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye, SBI Focused Fund better hai. Iska riskometer very high hai, lekin volatility 13.25 hai, jo SBI ELSS Tax Saver Fund ka volatility 15.53 se kam hai. Sharpe ratio ke liye bhi SBI Focused Fund better hai, jiska Sharpe ratio 0.88 hai.
📊 Portfolio Diversification
SBI Focused Fund ka asset allocation Equity 76.29%, Forgn. Eq 14.88%, Debenture 0.74%, aur T-Bills 0.16% hai. SBI ELSS Tax Saver Fund ka asset allocation Equity 96.05% aur T-Bills 0.12% hai. Dekho, SBI Focused Fund ka asset allocation jyada diversified hai, lekin SBI ELSS Tax Saver Fund ka Equity allocation jyada hai, jisse sector risk badh jaata hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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 ELSS Tax Saver Fund 5Y return ke liye better hai, jiska return 17.91% hai. SBI Focused Fund ka 5Y return 15.02% hai.
Q2: Is the higher risk fund worth it?
SBI ELSS Tax Saver Fund ka volatility 15.53 hai, jo SBI Focused Fund ka volatility 13.25 se jyada hai. Lekin, SBI Focused Fund ka Sharpe ratio 0.88 hai, jo SBI ELSS Tax Saver Fund ka Sharpe ratio 0.87 se jyada hai.
Q3: Which fund is more cost‑effective?
SBI Focused Fund ka expense ratio 1.47% hai, jo SBI ELSS Tax Saver Fund ka expense ratio 0.93% se jyada hai. Isliye, SBI Focused Fund cost-effective 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