Angel One Mutual Fund Liquid Fund vs Kotak Mahindra 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%
Mein aapko do liquid funds ke beech ka comparison karna hai - Angel One Mutual Fund Liquid Fund aur Kotak Mahindra Liquid Fund. Dekho, in dono funds ka category ek hi hai - Liquid Fund. Aap yahaan jaanne wale hai ki in dono funds mein kya farq hai aur kis fund se aapko zyada profit mil sakta hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Kotak Mahindra |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 5622.79 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.18 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 | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Chaliye, hum 3Y return, expense ratio aur risk ke hisab se fund ki comparison karte hain. Kotak Mahindra Liquid Fund ne 6.93% ka 3Y return diya hai, jo Angel One Mutual Fund Liquid Fund ki 6.76% se zyada hai. Lekin, expense ratio mein koi farq nahi hai, dono funds mein 0.12% ka expense ratio hai. Isliye, hum ko lagta hai ki Kotak Mahindra Liquid Fund long-term wealth creation ke liye zyada accha 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye, hum consistency aur return stability ke hisab se fund ki comparison karte hain. Kotak Mahindra Liquid Fund ne 1Y aur 3Y mein 6.17% aur 6.93% ka return diya hai, jo Angel One Mutual Fund Liquid Fund ki 6.03% aur 6.76% se zyada hai. Isliye, hum ko lagta hai ki Kotak Mahindra Liquid Fund SIP ke liye accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisab se, hum dono funds ki comparison karte hain. Dono funds mein riskometer low hai, lekin Sharpe ratio mein Kotak Mahindra Liquid Fund zyada accha hai, jo 3.91 hai. Volatility bhi dono funds mein ek hi hai, jo 0.11 hai. Isliye, hum ko lagta hai ki Kotak Mahindra Liquid Fund risk-adjusted returns mein zyada accha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se, hum dono funds ki comparison karte hain. Dono funds mein asset allocation ek hi hai - T-Bills: 65%, CD: 20%, CP: 10% aur Cash: 5%. Lekin, top holdings concentration mein Kotak Mahindra Liquid Fund zyada diversified hai, jo State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills se banta hai. Isliye, hum ko lagta hai ki Kotak Mahindra Liquid Fund portfolio diversification mein zyada accha hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Kotak Mahindra 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?
Kotak Mahindra Liquid Fund ne 3Y aur 5Y mein 6.93% aur 6.11% ka return diya hai, jo Angel One Mutual Fund Liquid Fund ki 6.76% aur 5.95% se zyada hai. Isliye, Kotak Mahindra Liquid Fund long run mein better returns provide karta hai.
Q2: Is the higher risk fund worth it?
Kotak Mahindra Liquid Fund ka Sharpe ratio 3.91 hai, jo Angel One Mutual Fund Liquid Fund ki 2.36 se zyada hai. Isliye, Kotak Mahindra Liquid Fund higher risk ka worth hai.
Q3: Which fund is more cost-effective?
Dono funds ke expense ratio ek hi hai, jo 0.12% hai. Isliye, dono funds cost-effective hain.
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