Angel One Mutual Fund Liquid Fund vs Groww 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
6.93%
Aapki dekho, humare paas do liquid funds hain - Angel One Mutual Fund aur Groww Mutual Fund. Yah dono funds riskometer se low hain, lekin kya dono funds aapke long-term wealth creation ke liye sahi hain? Aaj hum fund ki comparison karenge aur dekhein ki kis fund ka bada return hai. Hum aapko bhi batayenge ki kis fund ka SIP sukhda hai aur risk-adjusted returns mein kis fund ka bada fayda hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Groww Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 5622.79 |
| AUM (₹ Cr) | 4.67 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 2.36 | 3.91 |
| 1 Year Return (%) | 6.03% | 6.17% |
| 3 Year Return (%) | 6.76% | 6.93% |
| 5 Year Return (%) | 5.95% | 6.11% |
| Since Launch (%) | 6.23% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko batate hain ki kis fund ka bada return hai. Groww Mutual Fund ka 3Y return 6.93% hai, jabki Angel One Mutual Fund ka 3Y return 6.76% hai. Lekin expense ratio ka bhi zikr karna zaroori hai. Dono funds ka expense ratio 0.12% hai, lekin Groww Mutual Fund ka Sharpe ratio 3.91 hai, jo Angel One Mutual Fund ka Sharpe ratio 2.36 se adhik hai. Isliye, hum Groww Mutual Fund ko aapke long-term wealth creation ke liye sahi fund ke roop mein dekhenge.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye, hum aapko batate hain ki kis fund ka consistency aur return stability adhik hai. Groww Mutual Fund ka 1Y return 6.17% aur 5Y return 6.11% hai, jabki Angel One Mutual Fund ka 1Y return 6.03% aur 5Y return 5.95% hai. Isliye, hum Groww Mutual Fund ko SIP ke liye sahi fund ke roop mein dekhenge.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se dono funds low risk fund hain, lekin volatility ke hisaab se hum Groww Mutual Fund ko thoda hi riskier fund ke roop mein dekhenge. Lekin Sharpe ratio ka hisaab liya jaaye to Groww Mutual Fund ka Sharpe ratio adhik hai. Aur expense ratio ka hisaab liya jaaye to dono funds same hai. Isliye, hum Groww Mutual Fund ko risk-adjusted returns ke liye sahi fund ke roop mein dekhenge.
📊 Portfolio Diversification
Asset allocation ke hisaab se dono funds same asset allocation hain - T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00%. Lekin top holdings concentration ke hisaab se hum Groww Mutual Fund ko thoda hi diversified fund ke roop mein dekhenge. Groww Mutual Fund ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hain. Humein lagta hai ki Groww Mutual Fund ka portfolio thoda hi diversified hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@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?
Groww Mutual Fund ka 5Y return 6.11% hai, jabki Angel One Mutual Fund ka 5Y return 5.95% hai. Isliye, Groww Mutual Fund aapke long-term wealth creation ke liye sahi fund hai.
Q2: Is the higher risk fund worth it?
Groww Mutual Fund ka volatility thoda hi adhik hai, lekin Sharpe ratio ka hisaab liya jaaye to Groww Mutual Fund ka Sharpe ratio adhik hai. Isliye, hum Groww Mutual Fund ko risk-adjusted returns ke liye sahi fund ke roop mein dekhenge.
Q3: Which fund is more cost-effective?
Dono funds ka expense ratio same hai - 0.12%. Isliye, hum dono funds ko cost-effective fund ke roop mein dekhenge.
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