Angel One Mutual Fund Liquid Fund vs JM Financial 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%
Kya aapke paas ek mutual fund ke liye pata nahi hai? Dekho, hum aaj do fundon ka comparison karne ja rahe hain, Angel One Mutual Fund Liquid Fund aur JM Financial Large Cap Fund.
yeh dono fund alag-alag categories se aate hain, Liquid Fund aur Large Cap Fund. Liquid Fund aisa fund hai jo aapka pata hai, jisme paise rakhe jate hain jo zaroorat padne par nikal sakte hain. Large Cap Fund, lekin, ek jatil fund hai jisme aapko ek company ke shares khareedne hote hain, jinhone bahut jyada paise kamaye hote hain.
Ab, hum aapko bataayenge ki yeh dono fund kis tarah se aapke paise ko banayenge aur kya unka riskometer hai. Haan, hum aapko sahi fund chunne mein madad karenge.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | JM Financial |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 497.22 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.25 |
| Sharpe Ratio | 2.36 | 0.67 |
| 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 | Asit Bhandarkar (3.5 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% | 26% |
🤖 AI Verdict – Which is Better?
Humne do fundon ka comparison kiya hai aur dekha hai ki JM Financial Large Cap Fund aapke long-term wealth creation ke liye theek fund hai. Yeh fund 3 saal mein 14.7% return diya hai, jo ki bahut accha hai. Expense ratio bhi kam hai, 0.52%. Riskometer bhi aisa hai jiska risk hai, lekin yeh fund aapko better returns de raha 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 JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
Agar aap ek monthly SIP (Systematic Investment Plan) ke liye kuch paisa kharch karna chahte hain, to Angel One Mutual Fund Liquid Fund theek fund hai. Yeh fund aapko stable returns de raha hai, 3 saal mein 6.76% return diya hai. Expense ratio bhi kam hai, 0.12%. Large Cap Fund ka riskometer bhi kam hai, lekin yeh fund aapko consistent returns de raha hai.
⚠️ Risk & Cost Analysis
Yeh dono fund aapke risk ko samajhne ke liye bahut achhe hain. Angel One Mutual Fund Liquid Fund ka riskometer Low hai, lekin JM Financial Large Cap Fund ka riskometer Very High hai. Volatility bhi bahut kam hai, 0.11. Sharpe ratio bhi aisa hai, 2.36. Expense ratio bhi kam hai, 0.12%.
📊 Portfolio Diversification
Ab, hum aapko bataayenge ki yeh dono fund aapke paise ko kaise banayenge. Angel One Mutual Fund Liquid Fund ka asset allocation aisa hai, T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00%. Top 3 holdings bhi aise hain, State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%).
JM Financial Large Cap Fund ka asset allocation aisa hai, Equity: 96.00%, T-Bills: 4.00%. Top 3 holdings bhi aise hain, HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%).
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
JM Financial 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?
JM Financial Large Cap Fund aapke long-term wealth creation ke liye theek fund hai. Yeh fund 3 saal mein 14.7% return diya hai, jo ki bahut accha hai. Yeh fund 5 saal mein 12.03% return diya hai, jo ki bahut accha hai.
Q2: Is the higher risk fund worth it?
HM Financial Large Cap Fund ka riskometer Very High hai, lekin yeh fund aapko better returns de raha hai. Yeh fund 3 saal mein 14.7% return diya hai, jo ki bahut accha hai. Lekin, yeh fund aapke risk ko bhi samajhne ke liye bahut achha hai, kya aap isko le sakte hain?
Q3: Which fund is more cost-effective?
Angel One Mutual Fund Liquid Fund aapke Expense ratio ke liye theek fund hai. Yeh fund 0.12% Expense ratio hai, jo ki kam hai. JM Financial Large Cap Fund ka Expense ratio bhi kam hai, 0.52%. Lekin, yeh fund aapke cost-effectiveness ke liye theek fund 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