SBI Liquid Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
16.36%
Acche din ke liye, aapko fund ke chunav mein samjhdari aur saavdhaani ki aavashyak hai. Aaj hum do prasiddh funds ki tulna karenge - SBI Liquid Fund aur SBI Contra Fund. Dekho, kya SBI Liquid Fund aapke nivesh ke liye behter hai ya SBI Contra Fund. Chaliye, shuru karte hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 408.51 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.72% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.7 |
| Sharpe Ratio | 3.25 | 0.72 |
| 1 Year Return (%) | 6.15% | -1.21% |
| 3 Year Return (%) | 6.89% | 16.36% |
| 5 Year Return (%) | 6.09% | 18.26% |
| Since Launch (%) | 6.79% | 15.48% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 260% | 130% |
🤖 AI Verdict – Which is Better?
Sach ye hai, SBI Contra Fund 3Y return aur 5Y return mein accha performance dikhata hai. Lekin expense ratio aur riskometer ke hisaab se, yeh fund bahut riski hai. Haan, yeh fund 1Y return mein kam hai. Lekin 3Y aur 5Y return mein yeh fund behtar hai. Chaliye, aapko kuch aur batana hoga.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
SIP Suitability ke liye hum SBI Liquid Fund aur SBI Contra Fund ki consistency aur return stability ka mulyankan karenge. Dekho, yeh fund kaise 10+ years ke liye perform karenge. SBI Liquid Fund ki 1Y aur 3Y return SBI Contra Fund se kam hai, lekin yeh fund 5Y return mein behtar hai. Lekin SBI Contra Fund ki volatility aur riskometer bahut high hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se hum SBI Liquid Fund aur SBI Contra Fund ki risk-adjusted return ka mulyankan karenge. Dekho, yeh fund kaise risk-adjusted return deta hai. SBI Liquid Fund ka riskometer low hai aur expense ratio 0.12% hai. Lekin SBI Contra Fund ka riskometer very high hai aur expense ratio 0.72% hai. Haan, SBI Liquid Fund ki Sharpe ratio 3.25 hai, lekin SBI Contra Fund ki Sharpe ratio 0.72 hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se hum SBI Liquid Fund aur SBI Contra Fund ki diversification ka mulyankan karenge. Dekho, yeh fund kaise diversification deta hai. SBI Liquid Fund ka asset allocation T-Bills, CD, CP, aur cash mein hai. Lekin SBI Contra Fund ka asset allocation equity, T-Bills, forgn. eq, debenture, CD, REITs, call option, aur futures mein hai. Haan, SBI Liquid Fund ki top holdings concentration state bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Lekin SBI Contra Fund ki top holdings concentration HDFC Bank Ltd., Reliance Industries Ltd., aur Biocon Ltd. mein hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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, SBI Contra Fund 5Y aur 3Y return mein accha performance dikhata hai. Lekin yeh fund bahut riski hai. Haan, yeh fund 1Y return mein kam hai. Lekin 3Y aur 5Y return mein yeh fund behtar hai.
Q2: Is the higher risk fund worth it?
Haan, SBI Contra Fund ki volatility aur riskometer bahut high hai. Lekin yeh fund 5Y aur 3Y return mein behtar hai. Lekin yeh fund bahut riski hai. Toh yeh fund aapke liye kya hai, yeh aapko hi decide karna hoga.
Q3: Which fund is more cost-effective?
SBI Liquid Fund aur SBI Contra Fund ki expense ratio mein koi mukhya antar nahi hai. Lekin SBI Liquid Fund ka expense ratio 0.12% hai, jiska mukhya hai. Haan, yeh fund aapke liye kya hai, yeh aapko hi decide karna 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