Angel One Mutual Fund Liquid Fund vs Navi 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%
Agar aap apne investment ke liye Liquid Fund aur Multi Cap Fund ke beech ka decision karna chahte hain, toh yeh article aapke liye bahut hi useful hoga. Hum apne investors ke liye Fund A - Angel One Mutual Fund Liquid Fund aur Fund B - Navi Mutual Fund Multi Cap Fund ke beech ka comparison karne wale hain.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Navi Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 2132.04 | 19.01 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15 |
| Sharpe Ratio | 2.36 | 0.96 |
| 1 Year Return (%) | 6.03% | 5.23% |
| 3 Year Return (%) | 6.76% | 20.86% |
| 5 Year Return (%) | 5.95% | 11.52% |
| 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 | Gopal Agrawal; Atul Zabhade (3.2 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% | 52% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund B - Navi Mutual Fund Multi Cap Fund aapke liye better option hai. Yeh fund 3Y return ke hisab se 20.86% return de raha hai, jo Fund A - Angel One Mutual Fund Liquid Fund ke 6.76% se zyada hai. Ek aur factor yeh hai ki expense ratio Fund B - Navi Mutual Fund Multi Cap Fund ka 1.68% Fund A - Angel One Mutual Fund Liquid Fund ka 0.12% se zyada hai. Riskometer ke hisab se bhi Fund B - Navi Mutual Fund Multi Cap Fund zyada risk lene waala fund hai, lekin yeh fund long-term wealth creation ke liye aapke liye better option 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 Navi Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Yadi aap monthly SIP ke lie 10+ saal ke liye investment karna chahte hain, toh Fund A - Angel One Mutual Fund Liquid Fund aapke liye better option hai. Yeh fund consistency aur return stability ke hisab se zyada sahi hai. Fund B - Navi Mutual Fund Multi Cap Fund ek high-risk fund hai, aur yeh fund monthly SIP ke liye aapke liye risky ho sakta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se, Fund A - Angel One Mutual Fund Liquid Fund aapke liye better option hai. Yeh fund riskometer ke hisab se low-risk fund hai, aur volatility 0.11 hai. Sharpe ratio 2.36 hai, jo Fund B - Navi Mutual Fund Multi Cap Fund ka Sharpe ratio 0.96 se zyada hai. Expense ratio 0.12% hai, jo Fund B - Navi Mutual Fund Multi Cap Fund ka 1.68% se kam hai. Isliye, Fund A - Angel One Mutual Fund Liquid Fund aapke liye better risk-adjusted returns dene wala fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se, Fund A - Angel One Mutual Fund Liquid Fund aapke liye better diversified fund hai. Yeh fund T-Bills, CD, CP, aur cash mein apne 65%, 20%, 10%, aur 5% assets invest karta hai. Fund B - Navi Mutual Fund Multi Cap Fund ek high-risk fund hai, jismein equity mein 97% assets invest kiye gaye hain. Top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Isliye, Fund A - Angel One Mutual Fund Liquid Fund aapke liye better diversified fund hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Navi 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?
Long run ke hisab se, Fund B - Navi Mutual Fund Multi Cap Fund 5Y return ke hisab se 11.52% return de raha hai, jo Fund A - Angel One Mutual Fund Liquid Fund ke 5.95% se zyada hai. Lekin, agar hum 3Y return ke hisab se dekhein, toh Fund B - Navi Mutual Fund Multi Cap Fund 20.86% return de raha hai, jo Fund A - Angel One Mutual Fund Liquid Fund ke 6.76% se zyada hai. Isliye, Fund B - Navi Mutual Fund Multi Cap Fund long run ke hisab se better fund hai.
Q2: Is the higher risk fund worth it?
High-risk fund, Fund B - Navi Mutual Fund Multi Cap Fund, volatility ke hisab se 15 hai, jo Fund A - Angel One Mutual Fund Liquid Fund ka 0.11 se zyada hai. Sharpe ratio 0.96 hai, jo Fund A - Angel One Mutual Fund Liquid Fund ka 2.36 se kam hai. Lekin, agar hum long run ke hisab se dekhein, toh Fund B - Navi Mutual Fund Multi Cap Fund better fund hai. Isliye, high-risk fund worth hai, lekin aapko apne risk ki capacity ke hisab se investment karna hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisab se, Fund A - Angel One Mutual Fund Liquid Fund 0.12% expense ratio hai, jo Fund B - Navi Mutual Fund Multi Cap Fund ka 1.68% se kam hai. Isliye, Fund A - Angel One Mutual Fund Liquid Fund aapke liye better cost-effective fund 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