Angel One Mutual Fund Liquid Fund vs Mirae Asset ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
14.73%
Dekho, aaj hum do mutual funds ke beech mein chaliye. Fund A, Angel One Liquid Fund hai, aur Fund B, Mirae Asset ELSS Tax Saver Fund. Ye dono fund alag-alag category se hai, lekin dono mein nivesh karna chahte hain. Aaj hum yeh jaanege ki in dono fund ke beech kya fark hai aur kis fund mein nivesh karna achha hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Mirae Asset |
| Category | Liquid Fund | ELSS |
| NAV (₹) | 2132.04 | 48.73 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.85 |
| Sharpe Ratio | 2.36 | 0.59 |
| 1 Year Return (%) | 6.03% | 2.19% |
| 3 Year Return (%) | 6.76% | 14.73% |
| 5 Year Return (%) | 5.95% | 12.52% |
| Since Launch (%) | 6.23% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Neelesh Surana (10.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 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. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 221% | 69% |
🤖 AI Verdict – Which is Better?
Humare paas 3Y return, expense ratio aur risk ke baare mein data hai. Dekhne mein aata hai ki Fund A ka 3Y return 6.76% hai, jo ki bahut achha hai. Expense ratio bhi kam hai, 0.12%. Fund B ki 3Y return 14.73% hai, lekin expense ratio 1.62% hai. Riskometer bhi very high hai. Toh, humara verdict hai ki Fund A better 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 Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A ki consistency aur return stability bahut achhi hai. 1Y return 6.03% hai, aur 3Y return 6.76%. Fund B ki consistency kam hai, 1Y return 2.19% hai. Toh, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karne se pata chalta hai ki Fund A ki risk-adjusted returns better hai. Riskometer low hai, volatility 0.11 hai, Sharpe ratio 2.36 hai, aur expense ratio 0.12% hai. Fund B ki riskometer very high hai, volatility 13.85 hai, Sharpe ratio 0.59 hai, aur expense ratio 1.62% hai.
📊 Portfolio Diversification
Fund A ki asset allocation bahut diversified hai. T-Bills 65.00% hai, CD 20.00% hai, CP 10.00% hai, aur cash 5.00% hai. Top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Fund B ki asset allocation kam hai, equity 99.11% hai. Top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Fund A ki portfolio more diversified hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@14.7% 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?
Answer based on 5Y/3Y returns. Fund A ka 5Y return 5.95% hai, aur Fund B ka 5Y return 12.52% hai. Toh Fund B long-term mein better hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund B ki volatility 13.85 hai, lekin Sharpe ratio 0.59 hai. Fund A ki volatility 0.11 hai, lekin Sharpe ratio 2.36 hai. Toh, Fund A ki risk-adjusted returns better hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund A ki expense ratio 0.12% hai, aur Fund B ki expense ratio 1.62% hai. Toh, Fund A cost-effective 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