Angel One Mutual Fund Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
12.82%
Agar aapko pata hai ki kis type ka investment karna hai, to yeh article aapke liye bahut hi sahi hai. Hum yeh do fund compare karne jaa rahe hain, Fund A: Angel One Mutual Fund Liquid Fund - Direct Plan - Growth aur Fund B: Kotak Mahindra Large Cap Fund - Direct Plan - Growth. Yeh dono fund alag-alag category mein hain aur aapko pata chalne vaala hai ki kis fund mein aapko investment karna chahiye.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Kotak Mahindra |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 635.60 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.32 |
| Sharpe Ratio | 2.36 | 0.56 |
| 1 Year Return (%) | 6.03% | -2.46% |
| 3 Year Return (%) | 6.76% | 12.82% |
| 5 Year Return (%) | 5.95% | 12.2% |
| Since Launch (%) | 6.23% | 13.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B: Kotak Mahindra Large Cap Fund - Direct Plan - Growth zyada risk wala fund hai, lekin 5Y return mein yeh 12.2% return deta hai, jo Fund A ki 5.95% return se bahut zyada hai. Lekin expense ratio ka dhyan rakhna bahut important hai aur Fund A mein expense ratio 0.12% hai, jo Fund B ki 1.36% se kam hai. Chaliye, hamein Fund B ko long-term wealth creation ke liye better fund mana ja sakta 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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
Agar aap SIP se invest karna chahte hain to Fund A better fund hai. Yeh fund consistent return deta hai, jis ki 3Y return 6.76% hai, jo Fund B ki 12.82% 3Y return se kam hai. Lekin hamein yeh bhi yaad rakhna chaiye ki Fund B ki return zyada risk se judee hai, jisse yeh fund SIP ke liye zyada unsuitable hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karenge. Fund A mein riskometer low hai, jis se yeh fund zyada secure hai. Volatility mein bhi Fund A kam hai, jis se yeh fund zyada stable hai. Sharpe ratio mein bhi Fund A zyada hai, jis se yeh fund zyada risk-adjusted returns deta hai. Expense ratio mein bhi Fund A kam hai, jis se yeh fund zyada cost-effective hai.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ka comparison karenge. Fund A mein asset allocation mein 65% T-Bills, 20% CD, 10% CP aur 5% Cash hai. Fund B mein asset allocation mein 96% Equity aur 4% T-Bills hai. Top holdings concentration mein bhi Fund B zyada koncentrate hai, jis se yeh fund sector risk se judee hai. Fund A mein top holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai, jis se yeh fund zyada diversified hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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, Fund B: Kotak Mahindra Large Cap Fund - Direct Plan - Growth fund 5Y return mein 12.2% return deta hai, jo Fund A ki 5.95% return se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B: Kotak Mahindra Large Cap Fund - Direct Plan - Growth fund higher risk hai, lekin yeh fund Sharpe ratio mein bhi zyada hai, jis se yeh fund zyada risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A: Angel One Mutual Fund Liquid Fund - Direct Plan - Growth fund expense ratio mein 0.12% hai, jo Fund B ki 1.36% expense ratio se kam 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