Angel One Mutual Fund Liquid Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
20.86%
Dekho, aapke paas do alag-alag fund hain. Angel One Mutual Fund Liquid Fund aur JM Financial Multi Cap Fund. Ye fund dono alag-alag category mein hain - Liquid Fund aur Multi Cap Fund. Aaj hum aapko batayenge ki aapko kis fund mein investment karna chahiye.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | JM Financial |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 2132.04 | 19.01 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.35 |
| Sharpe Ratio | 2.36 | 1 |
| 1 Year Return (%) | 6.03% | 5.23% |
| 3 Year Return (%) | 6.76% | 20.86% |
| 5 Year Return (%) | 5.95% | 0% |
| Since Launch (%) | 6.23% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Asit Bhandarkar (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 221% | 44% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko batayenge ki aapko kis fund mein investment karna chahiye. Dekhiye, 3Y return ke hisab se, Angel One Mutual Fund Liquid Fund (6.76%) bhi accha hai, lekin JM Financial Multi Cap Fund (20.86%) bahut zyada hai. Lekin expense ratio aur risk ke hisab se, Angel One Mutual Fund Liquid Fund betar hai. To, humein lagta hai ki Angel One Mutual Fund Liquid Fund 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 JM Financial Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
SIP ke liye, humein lagta hai ki Angel One Mutual Fund Liquid Fund better hai. Iska 3Y return stable hai aur expense ratio bhi kam hai. Iske alawa, riskometer bhi low hai. Isse aapko SIP ke liye ek accha option milta hai.
⚠️ Risk & Cost Analysis
Now, riskometer, volatility, Sharpe ratio, expense ratio ke hisab se hum dekhte hain ki kis fund mein investment karna chahiye. Angel One Mutual Fund Liquid Fund ki volatility 0.11 hai, jo kam hai. Sharpe ratio bhi 2.36 hai, jo bahut accha hai. Expense ratio bhi 0.12% hai, jo kam hai. To, isse humein lagta hai ki Angel One Mutual Fund Liquid Fund risk-free aur cost-effective hai.
📊 Portfolio Diversification
Ab, asset allocation aur top holdings ke hisab se hum dekhte hain ki kis fund mein investment karna chahiye. Angel One Mutual Fund Liquid Fund mein asset allocation T-Bills, CD, CP, aur cash mein hai, jo accha hai. Top 3 holdings bhi State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai, jo kam risk wala hai. Iske alawa, JM Financial Multi Cap Fund mein asset allocation equity aur T-Bills mein hai, jo bahut alag hai. Top 3 holdings bhi HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hai, jo sector risk ka karan ban sakte hain.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai, 3Y return ke hisab se, JM Financial Multi Cap Fund (20.86%) bahut accha hai, lekin 5Y return ke hisab se, Angel One Mutual Fund Liquid Fund (5.95%) bhi accha hai. To, long-term mein, dono fund acche hain.
Q2: Is the higher risk fund worth it?
Haan, lekin riskometer aur volatility ke hisab se, koi bhi fund accha nahi hai. Lekin, agar aap risk le sakate hain, to JM Financial Multi Cap Fund ka 3Y return (20.86%) accha hai, lekin volatility (14.35) bhi bahut zyada hai. To, aapko apne investment goals aur risk ki capacity ke hisab se decide karna hoga.
Q3: Which fund is more cost‑effective?
Expense ratio ke hisab se, Angel One Mutual Fund Liquid Fund (0.12%) cost-effective hai. Iske alawa, riskometer aur volatility ke hisab se, bhi Angel One Mutual Fund Liquid Fund 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