SBI Conservative Hybrid Fund vs Kotak Debt Hybrid
Updated June 2026 · both Conservative Hybrid funds · metrics from AMFI NAVs
In short: Kotak Debt Hybrid has the higher 3-year return (+9.33%); Kotak Debt Hybrid has the lower expense ratio (0.48%); SBI Conservative Hybrid Fund has the better risk-adjusted return (Sharpe 0.61). This is analysis from past data, not a recommendation.
| Metric | SBI Conservative Hybrid Fund | Kotak Debt Hybrid |
|---|---|---|
| 1Y return | +4.33% | +1.39% |
| 3Y CAGR | +9.18% | +9.33% |
| 5Y CAGR | +9.10% | +9.10% |
| Sharpe ratio | 0.61 | 0.48 |
| Max drawdown | -3.6% | -4.4% |
| Volatility | 3.8% | 4.9% |
| Alpha | +2.88% | +3.10% |
| Expense ratio (Direct) | 1.04% | 0.48% |
| AUM | ₹9.7K Cr | ₹3.0K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
Kotak Debt Hybrid has the lower Direct-plan expense ratio (0.48%), versus 1.04% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Kotak Debt Hybrid has the higher 3-year CAGR (+9.33%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.