Angel One Mutual Fund Liquid Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
18.13%
Ab hum dono funds ki Category aur aapko kya seekhaenge, woh dekhein. Hum aapko Fund A aur Fund B ki comparison karne wale hain, jo ki Angel One Mutual Fund Liquid Fund aur SBI Focused Fund hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | SBI Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 2132.04 | 432.21 |
| AUM (₹ Cr) | 4.67 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.47% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.25 |
| Sharpe Ratio | 2.36 | 0.88 |
| 1 Year Return (%) | 6.03% | 12.11% |
| 3 Year Return (%) | 6.76% | 18.13% |
| 5 Year Return (%) | 5.95% | 15.02% |
| Since Launch (%) | 6.23% | 15.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 221% | 45% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hamari raai hai ki Fund B better hai. Iska reason 3Y return, expense ratio aur risk ke liye. Fund B ka 3Y return 18.13% hai, jo ki Fund A ka 6.76% se adhik 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 SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
Monthly SIP ke liye 10+ saal ki duniya mein, hamara mann hai ki Fund B better hai. Iska reason consistency aur return stability ke liye. Fund B ka 1Y return 12.11% hai, jo ki Fund A ka 6.03% se adhik hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye, hum dekhenge ki Fund A kya offer karta hai. Fund A ka riskometer low hai, lekin Sharpe ratio 2.36 hai, jo ki Fund B ka 0.88 se adhik hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, hum dekhenge ki Fund B kitna diversified hai. Fund B ka asset allocation Equity, Forgn. Eq, Debenture aur T-Bills mein 76.29%, 14.88%, 0.74%, aur 0.16% hai. Ismein sector risk bhi hai, kyonki Alphabet Inc Class A aur State Bank of India aise hai jinka risk zyada hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 5Y return 15.02% hai, jo ki Fund A ka 5.95% se adhik hai. Isliye, Fund B long-term mein better hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke liye, hum dekhenge. Fund B ka volatility 13.25 hai, jo ki Fund A ka 0.11 se zyada hai. Lekin Sharpe ratio ke liye, Fund A ka 2.36 hai, jo ki Fund B ka 0.88 se adhik hai. Isliye, hamara mann hai ki Fund A zyada worth hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye, hum dekhenge. Fund A ka expense ratio 0.12% hai, jo ki Fund B ka 1.47% se kam hai. Isliye, Fund A zyada cost-effective hai.