Angel One Mutual Fund Liquid Fund vs LIC Mutual Fund 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%
Accha, dekho! Aaj hum do Liquid Funds ke beech ka comparison karne wale hain: Angel One Mutual Fund Liquid Fund aur LIC Mutual Fund Liquid Fund. Ye duniya ka sabse seekhne wala fund category hai, kyonki isme jaldi paise nikalne ke liye nivesh kiya jata hai. Aaj hum aapko iske beech ka comparison karne wale hain, jab tak ki iske characteristics aur performance ke baare mein aapko pata chalta hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | LIC Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 5622.79 |
| AUM (₹ Cr) | 4.67 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 2.36 | 3.58 |
| 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 | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Humne dekha hai ki dono funds ko Low Riskometer mila hai. Lekin jab hum 3Y return, expense ratio, aur risk ke baare mein sochte hain, toh LIC Mutual Fund Liquid Fund isme se bhi accha hoga. Iska 3Y return 6.93% hai, expense ratio 0.12% hai, aur Sharpe ratio 3.58 hai. Isliye, hum kahaenge ki LIC Mutual Fund Liquid Fund long-term wealth creation ke liye bhi accha fund 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ek Sip invest karne wala investor ke liye, hum kahaenge ki monthly SIP ke liye LIC Mutual Fund Liquid Fund bhi accha fund hai. Iska 3Y return aur 5Y return dono hi Angel One Mutual Fund Liquid Fund se accha hai. Isse aapko lagta hai ki is fund ke return bahut stable hain.
⚠️ Risk & Cost Analysis
Ab hum iske baare mein sochenge ki isme kya risk hai. Dono funds ka riskometer Low hai, lekin LIC Mutual Fund Liquid Fund ka Sharpe ratio aur expense ratio Angel One Mutual Fund Liquid Fund se accha hai. Isse aapko lagta hai ki LIC Mutual Fund Liquid Fund mein risk ki jaanakaran bahut kam hai.
📊 Portfolio Diversification
Isme, hum asset allocation ke baare mein sochenge. Dono funds mein T-Bills, CD, CP, aur Cash ki asset allocation 65:20:10:5 hai. Lekin, LIC Mutual Fund Liquid Fund ke top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Isse aapko lagta hai ki is fund ke asset allocation mein koi sector risk nahin hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
LIC Mutual Fund 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?
LIC Mutual Fund Liquid Fund ka 5Y return 6.11% hai, jo Angel One Mutual Fund Liquid Fund ka 5Y return 5.95% se accha hai. Isliye, LIC Mutual Fund Liquid Fund long-term wealth creation ke liye accha fund hai.
Q2: Is the higher risk fund worth it?
LIC Mutual Fund Liquid Fund ka volatility 0.12 hai, jo Angel One Mutual Fund Liquid Fund ka volatility 0.11 se accha hai. Iske saath hi, LIC Mutual Fund Liquid Fund ka Sharpe ratio bhi accha hai. Isliye, LIC Mutual Fund Liquid Fund mein koi risk ki jaanakaran nahin hai.
Q3: Which fund is more cost-effective?
Dono funds ka expense ratio 0.12% hai. Isliye, ismein koi fund cost-effectiveness ke liye accha nahin 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