Angel One Mutual Fund Liquid Fund vs Angel One Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
14.7%
Dekho, today we're comparing two popular mutual funds from Angel One - a Liquid Fund and a Large Cap Fund. Both funds are suitable for different types of investors, but which one is better for long-term wealth creation? In this article, we'll help you make an informed decision by comparing their performance, risk, and cost.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Angel One Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 497.22 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.58 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.57 |
| Sharpe Ratio | 2.36 | 0.71 |
| 1 Year Return (%) | 6.03% | -4.02% |
| 3 Year Return (%) | 6.76% | 14.7% |
| 5 Year Return (%) | 5.95% | 12.03% |
| Since Launch (%) | 6.23% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Sonam Udasi; Amey Sathe (9.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 221% | 19% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we recommend Fund B - Angel One Large Cap Fund - Direct Plan - Growth. It has a 3Y return of 14.7%, which is significantly higher than Fund A's 6.76%. Lekin, the expense ratio of Fund B is higher at 0.52% compared to Fund A's 0.12%. Haan, the riskometer of Fund B is Very High, but we believe its long-term potential outweighs the risks.
Why consider Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
Why consider Angel One Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.58 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
Fund A is more suitable for a monthly SIP for 10+ years. Its consistent returns and lower volatility make it a safer bet for long-term investors. Chaliye, if you're looking for stable returns, Fund A is a better option. Fund B, on the other hand, is riskier but has the potential for higher returns in the long run.
⚠️ Risk & Cost Analysis
Fund A has a lower riskometer and volatility compared to Fund B. Lekin, its Sharpe ratio is higher at 2.36, indicating better risk-adjusted returns. Fund B's Sharpe ratio is 0.71, which is lower than Fund A's. Haan, the expense ratio of Fund B is higher, but its potential returns may justify the extra cost.
📊 Portfolio Diversification
Fund A has a more diversified portfolio with 65.00% allocation to T-Bills, 20.00% to CD, 10.00% to CP, and 5.00% to Cash. Fund B, on the other hand, has 96.00% allocation to Equity and 4.00% to T-Bills. Dekho, Fund A's diversified portfolio makes it less susceptible to market risks. Fund B's high equity allocation increases its sector risk.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Angel One Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 12.03% compared to Fund A's 5.95%. However, its 1Y return is negative at -4.02%, which is a concern for short-term investors.
Q2: Is the higher risk fund worth it?
Fund B is riskier than Fund A, but its Sharpe ratio of 0.71 indicates that it may offer better risk-adjusted returns. Lekin, its volatility is higher at 11.57, which may not be suitable for all investors.
Q3: Which fund is more cost-effective?
Fund A is more cost-effective with an expense ratio of 0.12% compared to Fund B's 0.52%. Haan, this may be a deciding factor for investors who prioritize cost.
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