Angel One Mutual Fund Liquid Fund vs Groww 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%
Today, hum discuss two different mutual funds - Angel One Liquid Fund and Groww Large Cap Fund. Dekho, both funds have different investment objectives and risk profiles. Fund A is a liquid fund, which is suitable for short-term investments, while Fund B is a large-cap fund, which is ideal for long-term wealth creation. Chaliye, let's compare their performance and features to decide which fund is better for you.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Groww Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 497.22 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.54 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.05 |
| Sharpe Ratio | 2.36 | 0.63 |
| 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% | 33% |
🤖 AI Verdict – Which is Better?
Hum dekhe hai, Fund A is a clear winner for long-term wealth creation. Its 3Y return of 6.76% is higher than Fund B's 3Y return of 14.7%. Lekin, Fund B has a very high risk profile, which may not be suitable for all investors. Haan, Fund A's low expense ratio of 0.12% is also a plus point. Sach ye hai, Fund A is a safer and more cost-effective option for long-term investments.
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 Groww Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.54 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
For a monthly SIP of 10+ years, hum suggest Fund A. Its consistent returns and low volatility make it a suitable option for long-term investments. Fund B's high volatility may not be suitable for a SIP, and its high risk profile may lead to losses in the long run. Chaliye, Fund A is a better choice for a SIP.
⚠️ Risk & Cost Analysis
Riskometer and volatility are two important factors to consider when investing in mutual funds. Fund A has a low riskometer and low volatility of 0.11, while Fund B has a very high riskometer and high volatility of 13.05. Sharpe ratio is another important metric, and Fund A's Sharpe ratio of 2.36 is higher than Fund B's Sharpe ratio of 0.63. Haan, Fund A offers better risk-adjusted returns than Fund B.
📊 Portfolio Diversification
Asset allocation is an important aspect of portfolio diversification. Fund A has a diversified portfolio with 65% of its assets invested in T-Bills and 20% in CDs. Fund B, on the other hand, has a concentrated portfolio with 96% of its assets invested in equity. Top holdings concentration is also an important factor, and Fund A has a lower concentration of top holdings compared to Fund B. Sach ye hai, Fund A is more diversified and has lower sector risk.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Groww 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?
Hum dekhe hai, Fund A gives better returns in the long run. Its 5Y return of 5.95% is lower than Fund B's 5Y return of 12.03%, but its 3Y return of 6.76% is higher. Chaliye, Fund B's returns may be higher in the short term, but Fund A is a safer option for long-term investments.
Q2: Is the higher risk fund worth it?
Haan, Fund B is a higher-risk fund, but its returns may be higher in the short term. Lekin, its volatility is high, and its Sharpe ratio is low. Fund A, on the other hand, has a low risk profile and offers better risk-adjusted returns. Chaliye, Fund A is a safer option for investors who want to minimize risk.
Q3: Which fund is more cost-effective?
Haan, Fund A is more cost-effective. Its expense ratio of 0.12% is lower than Fund B's expense ratio of 0.52%. Chaliye, Fund A offers better returns and is a more cost-effective option for investors.
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