Angel One Mutual Fund Liquid Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.97%
Chaliye dekho, aaj hum doh liquid funds ke beech mein comparison karenge. Angel One Mutual Fund aur JM Financial Liquid Fund dono hi low-risk funds hain, lekin kya unke 1Y, 3Y aur 5Y return mein koi difference hai? Aaj hum yeh jaanne ke liye ek nazar karenge.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | JM Financial |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 363.19 |
| AUM (₹ Cr) | 4.67 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 2.36 | 3.92 |
| 1 Year Return (%) | 6.03% | 6.21% |
| 3 Year Return (%) | 6.76% | 6.97% |
| 5 Year Return (%) | 5.95% | 6.16% |
| Since Launch (%) | 6.23% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, yeh sach hai ki Fund B (JM Financial Liquid Fund) 3Y return mein thoda bada hai, 6.97% vs 6.76% of Fund A (Angel One Mutual Fund). Lekin expense ratio dono hi saman hai. Isliye, hum khaen ki Fund B thoda bhi better hai lekin koi bada faisala nahi 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
dekho, agar aap SIP karenge to Fund B ki consistency aur return stability thoda badi hai. 10+ saalon ke liye, Fund B SIP ke liye achcha hoga.
⚠️ Risk & Cost Analysis
lekin, agar aap riskometer, volatility aur Sharpe ratio dekhen to dono hi funds thoda alag hain. Volatility mein Fund B thoda bada hai, lekin Sharpe ratio mein Fund A bada hai. Isliye, yeh decision aapke apne risk preference par depend karega.
📊 Portfolio Diversification
Haan, yeh sach hai ki dono hi funds ki asset allocation thoda alag hain. Fund A ke top 3 holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hain. Fund B ke top 3 holdings bhi same hain. Isliye, yeh sach hai ki sector risk dono hi funds mein same hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@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 ki Fund B ne 5Y ke liye 6.16% return kiya hai, jiska 3Y return 6.97% hai. Fund A ne 5Y ke liye 5.95% return kiya hai, jiska 3Y return 6.76% hai.
Q2: Is the higher risk fund worth it?
Volatility mein Fund B thoda bada hai, lekin Sharpe ratio mein Fund A bada hai. Isliye, yeh decision aapke apne risk preference par depend karega.
Q3: Which fund is more cost-effective?
Sach ye hai ki dono hi funds ke expense ratio 0.12% hai. Isliye, yeh sach hai ki koi fund cost-effective nahi hai.