Angel One Mutual Fund Liquid Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.98%
Dekho, aapke paas do liquid funds hain jo aapke paisay ko safe aur zaroorat ke hisaab se use karne ke liye aapko provide karte hain. Yeh post Fund A: Angel One Mutual Fund Liquid Fund aur Fund B: Bandhan Mutual Fund Liquid Fund ke beech ka comparison karega. Chaliye, aaj hum Fund A aur Fund B ke beech ka comparison karenge.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 39.33 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 2.36 | 4 |
| 1 Year Return (%) | 6.03% | 1.41% |
| 3 Year Return (%) | 6.76% | 6.98% |
| 5 Year Return (%) | 5.95% | 5.96% |
| Since Launch (%) | 6.23% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Manish Gunwani (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 221% | 251% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono low-risk funds hain, lekin Fund A ki 3Y return 6.76% hai, jo Fund B se zyada hai. Expense ratio bhi Fund A mein thoda kam hai, 0.12% se kam. Isliye, Fund A long-term mein aapke paisay ko zaroori dar aur zaroorat ke hisaab se use karne mein madad karega.
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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Yadi aap 10+ saal ke liye monthly SIP ka plan karte hain, to Fund A aapke liye behtar hoga. Fund A ka 1Y return 6.03% hai, jo Fund B se zyada hai. Iske alawa, Fund A ka expense ratio Fund B se kam hai.
⚠️ Risk & Cost Analysis
Haan, Fund A aur Fund B dono low-risk funds hain, lekin Fund A ki riskometer low hai aur volatility 0.11 hai. Iske alawa, Fund A ka Sharpe ratio 2.36 hai, jo Fund B se zyada hai. Isliye, Fund A aapke paisay ko behtar risk-adjusted returns karega.
📊 Portfolio Diversification
Yadi aap asset allocation aur top holdings concentration ke beech ka comparison karte hain, to dono funds mein T-Bills, CD, CP, aur Cash ke beech asset allocation kiya gaya hai. Lekin, Fund A mein State Bank of India CD aur HDFC Bank CD ki concentration Fund B se kam hai. Isliye, Fund A ke portfolio mein kam sector risk hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Sach ye hai, Fund A ka 5Y return 5.95% hai, jo Fund B se kam hai. Isliye, Fund B long-term mein aapke paisay ko zaroori dar aur zaroorat ke hisaab se use karne mein madad kar sakta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio 4 hai, jo Fund A se zyada hai. Iske alawa, Fund B ka volatility 0.12 hai, jo Fund A se thoda zyada hai. Isliye, Fund B aapke paisay ko behtar risk-adjusted returns karega, lekin aapko Fund B ka higher risk aur volatility ka samna karna hoga.
Q3: Which fund is more cost-effective?
Haan, dono funds ka expense ratio 0.12% hai, lekin Fund A ka expense ratio Fund B se kam hai. Isliye, Fund A aapke paisay ko behtar cost-effective returns karega.
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