Angel One Mutual Fund Liquid Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.92%
Chaliye dekho, aaj hum do liquid funds ka comparison kar rahe hain: Angel One Mutual Fund Liquid Fund aur Baroda BNP Paribas Liquid Fund. Ye dono funds apne low-risk investment option ke liye jaane jaate hain. Aaj hum dekhenge ki konsa fund long-term mein aapke liye better hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Baroda BNP Paribas |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 3208.35 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 2.36 | 3.82 |
| 1 Year Return (%) | 6.03% | 6.16% |
| 3 Year Return (%) | 6.76% | 6.92% |
| 5 Year Return (%) | 5.95% | 6.14% |
| Since Launch (%) | 6.23% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, let's see. Fund A ka 3Y return 6.76% hai, lekin Fund B ka 3Y return 6.92% hai. Expense ratio ke liye bhi Fund B better hai, 0.12% ke against Fund A ka 0.12%. Aur riskometer ke liye bhi dono funds low risk hain. To, hum kheench sakte hain ki Fund B long-term mein aapke liye better hai.
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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
SIP ke liye consistency aur return stability dono bahut zaroori hain. Fund A ka 3Y return 6.76% hai, lekin Fund B ka 3Y return 6.92% hai. Dekho, Fund B ka return Fund A ke liye thoda better hai. Lekin expense ratio aur riskometer ke liye dono funds equal hain. To, SIP ke liye Fund B better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio sabhi factors hain jo aapko decide karne hain ki kitna risk le sakte hain. Fund A ka riskometer low hai, lekin Fund B ka Sharpe ratio 3.82 hai, jo Fund A ka 2.36 se thoda better hai. Lekin expense ratio ke liye dono funds equal hain. To, risk-adjusted returns ke liye Fund B better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration dono bahut zaroori hain. Fund A ka asset allocation 65.00% T-Bills, 20.00% CD, 10.00% CP, aur 5.00% cash hai. Fund B ka asset allocation bhi 65.00% T-Bills, 20.00% CD, 10.00% CP, aur 5.00% cash hai. Lekin top holdings concentration ke liye Fund A ka State Bank of India CD 8.5% hai, HDFC Bank CD 7.2% hai, aur Reliance Industries T-Bills 6.8% hai. To, portfolio diversification ke liye Fund B better hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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?
Answer: Fund B ka 5Y return 6.14% hai, jo Fund A ka 5.95% se thoda better hai. Lekin 3Y return ke liye Fund B 6.92% hai, jo Fund A ka 6.76% se thoda better hai.
Q2: Is the higher risk fund worth it?
Answer: Na, dono funds low risk hain. Lekin Fund B ka Sharpe ratio 3.82 hai, jo Fund A ka 2.36 se thoda better hai. To, risk-adjusted returns ke liye Fund B better hai.
Q3: Which fund is more cost-effective?
Answer: Dono funds expense ratio 0.12% hai, to dono cost-effective hain. Lekin Fund B ka Sharpe ratio 3.82 hai, jo Fund A ka 2.36 se thoda better hai. To, risk-adjusted returns ke liye Fund B better hai.
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