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The pair are comfortably the two best playmakers in the Premier League and have regularly been compared to one another ever since Fernandes made the move to Old Trafford just over a year ago.
De Bruyne and Fernandes have 21 assists between them in the league this term - split 11 to 10 in favour of the Belgian.
But Saha, who won two league titles with United, says he would rather have Fernandes in his side at present.
"On current form I think Bruno Fernandes. He hasn't been injured and he's playing every game and scoring goals for fun," he told talkSPORT on behalf of William Hill ahead of Sunday's Manchester derby at the Etihad Stadium.
"Of course, De Bruyne has been fantastic consistently for the last two years but Fernandes has been more effective as he's not missed any games."
Since his joined from Sporting, Fernandes has scored 23 and assisted 17 in 41 league appearances. However, a lot has been made about his disappointing record against the division's "big six".
In seven games this term, he's scored just once and that was a penalty in a 6-1 defeat to Spurs. He's also failed to register an assist and was particularly poor in the 0-0 draw with Chelsea on Sunday.
Asked whether he needs to do more in the big games, Saha replied: "No. Everybody needs to step up. Everyone has their favourite side. When you play a big side you have to step up as a team.
"It's not just about Bruno Fernandes or [Marcus] Rashford, or whoever.
"You need to actually lead by example and be a team and this is when you win these games. Asking one or two players in particular to do the job is not relevant.
"Of course on a personal level, they will want to score but in the big games especially they need to be helped by the other players.
"The big sides will find a way to disrupt the big players like Bruno or [Paul] Pogba. You need others to step up and do the distraction as well to allow the space for those guys to express themselves."
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