Angel One Mutual Fund Liquid Fund vs LIC Mutual Fund 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, aaj hum do mutual funds ke beech mein comparison karengay. Fund A ek Liquid Fund hai, jabki Fund B ek Multi Cap Fund hai. Aapko is article mein hum aapko batayenge ki Fund A aur Fund B mein kya antar hai aur kis fund mein long-term wealth creation ke liye investment karna chahiye.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | LIC Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 2132.04 | 19.01 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.9 |
| Sharpe Ratio | 2.36 | 1.03 |
| 1 Year Return (%) | 6.03% | 5.23% |
| 3 Year Return (%) | 6.76% | 20.86% |
| 5 Year Return (%) | 5.95% | 11.46% |
| 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 | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Chaliye, Fund B ko is article mein "Bhaari" fund kehte hain, jabki Fund A ko "Uttam" fund kehte hain. Fund A ka 3Y return 6.76% hai, jo Fund B ka 3Y return se kam hai. Lekin, expense ratio ke maadhyam se dekha jayega to Fund B ka expense ratio bahut adhik hai, jiski wajah se Fund A hi bhaari fund hai. Haan, Fund B ka 5Y return 11.46% hai, lekin expense ratio ke karan yeh bhi kamzor hai. Sach ye hai, Fund A hi accha fund hai long-term wealth creation ke liye.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
SIP suitability ke maadhyam se dekha jayega to Fund A hi accha fund hai. Fund A ka 1Y return 6.03% hai, jo Fund B ka 1Y return se kam hai. Lekin, Fund A ka 3Y return 6.76% hai, jo Fund B ka 3Y return se kam hai. Haan, Fund A ka volatility 0.11 hai, jo Fund B ka volatility se kam hai. Lekin, Fund A ka Sharpe ratio 2.36 hai, jo Fund B ka Sharpe ratio se kam hai. Sach ye hai, Fund A hi accha fund hai monthly SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke maadhyam se dekha jayega to Fund A hi accha fund hai. Fund A ka riskometer Low hai, jo Fund B ka riskometer se kam hai. Lekin, Fund A ka volatility 0.11 hai, jo Fund B ka volatility se kam hai. Haan, Fund A ka Sharpe ratio 2.36 hai, jo Fund B ka Sharpe ratio se kam hai. Lekin, Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio se kam hai. Sach ye hai, Fund A hi accha fund hai risk-adjusted returns ke maadhyam se.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke maadhyam se dekha jayega to Fund A hi accha fund hai. Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Lekin, Fund B ka asset allocation Equity: 97.00% aur T-Bills: 3.00% hai. Haan, Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Lekin, Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Sach ye hai, Fund A hi accha fund hai asset allocation aur top holdings concentration ke maadhyam se.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
LIC Mutual Fund 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?
Haan, Fund B ka 5Y return 11.46% hai, jo Fund A ka 5Y return se adhik hai. Lekin, expense ratio ke karan yeh bhi kamzor hai. Sach ye hai, Fund B hi accha fund hai long-term wealth creation ke liye.
Q2: Is the higher risk fund worth it?
Nahin, Fund B ka volatility 13.9 hai, jo Fund A ka volatility se adhik hai. Lekin, Fund B ka Sharpe ratio 1.03 hai, jo Fund A ka Sharpe ratio se kam hai. Sach ye hai, Fund A hi accha fund hai risk-adjusted returns ke maadhyam se.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio se kam hai. Lekin, Fund A ka AUM 46656 Cr hai, jo Fund B ka AUM se adhik hai. Sach ye hai, Fund A hi accha fund hai cost-effectiveness ke maadhyam se.
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