Angel One Mutual Fund Liquid Fund vs SBI 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
19.98%
Dekho, aap dono funds ki comparison karne aaye hain. Fund A ek Liquid Fund hai, jabki Fund B ek ELSS Tax Saver Fund hai. Aaj hum aapko batayenge ki dono funds mein kya aisa hai jo aapko samjhne ke liye zaroori hai.
[VERDICT]| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | SBI Mutual Fund |
| Category | Liquid Fund | ELSS |
| NAV (₹) | 2132.04 | 462.73 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.93% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15.53 |
| Sharpe Ratio | 2.36 | 0.87 |
| 1 Year Return (%) | 6.03% | -1.1% |
| 3 Year Return (%) | 6.76% | 19.98% |
| 5 Year Return (%) | 5.95% | 17.91% |
| Since Launch (%) | 6.23% | 15.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Milind Agrawal (0.4 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%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 221% | 37% |
🤖 AI Verdict – Which is Better?
Haan, Fund B ek bahut hi riski fund hai, lekin 3Y return dekh kar hum dikhate hain ki yeh fund aapko aage ki ummeed deta hai. Expense ratio ke hisaab se bhi Fund B kamjor hai. Lekin, yeh sab kuch aapko nazar aane ke baad hi samajh aayega. Haan, Fund B aapko aage ki ummeed deta hai, lekin aapko iske saath risk bhi lena padta hai.
[SIP_SUITABILITY]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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
SIP ke liye Fund A thoda behtar hai, kyunki yeh fund aapko stability aur consistency deta hai. Fund B ka 1Y return nakaam tha, lekin 3Y return bahut achha tha. Isliye, aap SIP ke liye Fund A chun sakte hain.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer ke hisaab se Fund A kam riski hai, lekin Sharpe ratio ke hisaab se Fund B thoda behtar hai. Expense ratio ke hisaab se bhi Fund A kamjor hai. Volatility ka hisaab dena chahta hoon, to Fund B bahut hi riski hai. Isliye, aapko Fund B ke risk ki pehchaan karne ki zaroorat hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Fund A ka asset allocation bahut hi kam riski hai, lekin Fund B ka asset allocation bahut hi riski hai. Top holdings mein bhi Fund A ka concentration kam hai. Isliye, Fund A ka portfolio aapke liye thoda behtar hai.
[FAQ]SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
Sach ye hai ki Fund B ka 3Y return Fund A se behtar hai, lekin 5Y return Fund A ka hi hai. Isliye, Fund B aapko aage ki ummeed deta hai, lekin Fund A ka stability aapko darshata hai.
Q2: Is the higher risk fund worth it?
Volatility ka hisaab dena chahta hoon, to Fund B bahut hi riski hai. Sharpe ratio ke hisaab se bhi Fund B thoda kamjor hai. Isliye, Fund B ka risk aapko samajhne ke liye zaroori hai.
Q3: Which fund is more cost‑effective?
Expense ratio ke hisaab se Fund A kamjor hai. Isliye, Fund A aapke liye 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