Angel One Mutual Fund Liquid Fund vs PPFAS 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 aapko paise ki suraksha aur lagnat se behtar niwas chahte hain, toh aapke paas do options hain - Angel One ke Liquid Fund aur PPFAS ke Multi Cap Fund. Yeh duniya ka sabse accha jankari jari karne wala artilce aapko batayega ki in dono fundon ki tarah se aapko kya fayda hoga.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 2132.04 | 19.01 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.1 |
| Sharpe Ratio | 2.36 | 1.02 |
| 1 Year Return (%) | 6.03% | 5.23% |
| 3 Year Return (%) | 6.76% | 20.86% |
| 5 Year Return (%) | 5.95% | 14.84% |
| 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 | Rajeev Thakkar (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% | 41% |
🤖 AI Verdict – Which is Better?
Chaliye, fund ke 3Y return, expense ratio aur risk karenge sabse adhik dikhayi dekhne wale fund ko pata lagenge. Sach ye hai, PPFAS ke Multi Cap Fund ka 3Y return 20.86% hai, jiski taqat Angel One ke Liquid Fund ke 6.76% se kam hai. Lekin expense ratio mein bhi PPFAS fund behtar nahi hai, yeh 1.68% hai, jabki Angel One fund ka expense ratio 0.12% hai. Riskometer ke hisaab se bhi PPFAS fund ka risk bahut adhik hai, jisse yeh fund long-term wealth creation ke liye achha nahi hai. Haan, Angel One Liquid Fund aapke liye behtar chunav 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 PPFAS Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
SIP ke liye in dono fundon ka aadharan aapko konsa fund padega. Chaliye, SIP ke liye fund ka stability aur return karenge sabse adhik dikhayi dekhne wale fund ko pata lagenge. Dekho, Angel One Liquid Fund ka 1Y aur 3Y return thoda behtar hai, lekin PPFAS ke Multi Cap Fund ka 5Y return bahut adhik hai. Haan, PPFAS fund ka risk kam nahin hai, lekin agar aap SIP ke liye invest karna chahte hain, toh iske liye PPFAS fund bhi ek chunav hai.
⚠️ Risk & Cost Analysis
Ab aapko fund ke riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karna hoga. Dekho, PPFAS ke Multi Cap Fund ka riskometer very high hai, jiski wajah se yeh fund adhik risk hai. Volatility mein bhi yeh fund adhik hai, jiski wajah se yeh fund aapke paise ke behtar niwas ke liye nahin hai. Sharpe ratio mein bhi yeh fund kam hai, jiski wajah se yeh fund behtar risk-adjusted returns nahi deta hai. Haan, expense ratio mein bhi yeh fund behtar nahin hai, yeh 1.68% hai. Lekin Angel One Liquid Fund ka expense ratio 0.12% hai, jo bahut kam hai. Haan, Angel One Liquid Fund aapke liye behtar chunav hai.
📊 Portfolio Diversification
Ab aapko fund ke asset allocation aur top holdings concentration ka comparison karna hoga. Dekho, Angel One Liquid Fund ka asset allocation T-Bills, CD, CP aur cash mein hai, jiski wajah se yeh fund bahut diversified hai. PPFAS ke Multi Cap Fund ka asset allocation Equity aur T-Bills mein hai, jiski wajah se yeh fund kam diversified hai. Haan, top holdings concentration mein bhi Angel One Liquid Fund behtar hai, yeh fund ke asset allocation mein sabse adhik hain State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills. Haan, PPFAS fund bhi kuch adhik diversified hai, lekin yeh fund kam diversified hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
PPFAS 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?
PPFAS ke Multi Cap Fund ka 5Y return 14.84% hai, jiski wajah se yeh fund long-term wealth creation ke liye behtar hai. Haan, yeh fund ka risk bhi adhik hai.
Q2: Is the higher risk fund worth it?
PPFAS ke Multi Cap Fund ka riskometer very high hai, jiski wajah se yeh fund adhik risk hai. Lekin volatility aur Sharpe ratio mein bhi yeh fund kam hai, jiski wajah se yeh fund behtar risk-adjusted returns nahi deta hai. Haan, yeh fund ka expense ratio bhi 1.68% hai, jo bahut jyada hai.
Q3: Which fund is more cost-effective?
Angel One Liquid Fund ka expense ratio 0.12% hai, jo bahut kam hai. Haan, PPFAS ke Multi Cap Fund ka expense ratio 1.68% hai, jo bahut jyada hai. Haan, Angel One Liquid Fund aapke liye behtar chunav 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