Angel One Mutual Fund Liquid Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
13.45%
Dekho, aaj hum do mutual funds ke beech ka comparison karne ja rahe hain – Angel One Mutual Fund Liquid Fund aur SBI Small Cap Fund. Ye dono fund alag-alag category mein aate hain aur alag-alag riskometer ke saath. Pehle hum aapko pata karenge kis fund mein lagte hain aur phir hum aapko fund A aur fund B ke beech ka comparison karke aapko batayenge ki kis fund mein lagaana achha hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | SBI Mutual Fund |
| Category | Liquid Fund | Small Cap |
| NAV (₹) | 2132.04 | 192.12 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 17.83 |
| Sharpe Ratio | 2.36 | 0.39 |
| 1 Year Return (%) | 6.03% | 0.06% |
| 3 Year Return (%) | 6.76% | 13.45% |
| 5 Year Return (%) | 5.95% | 14.57% |
| Since Launch (%) | 6.23% | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | R. Srinivasan (10.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 221% | 23% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki SBI Small Cap Fund aapke liye long-term wealth creation ke liye better hai. Ye fund ka 3Y return 13.45% hai, jo fund A ka 3Y return 6.76% se zyada hai. Lekin, expense ratio mein fund B ka 0.82% fund A ka 0.12% se jyada hai. Dekho, expense ratio ka koi bhi fund nahi hai jiska riskometer very high ho, lekin aapko pata hai ki riskometer ka matlab hai ki fund mein investment karna koi bhi risk hai. Isliye, hum kahaenge ki Fund A aapke liye better 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP suitability ka matlab hai ki fund ka consistency aur return stability kitna hai. Fund A ka 1Y return 6.03% hai, jo fund B ka 0.06% se zyada hai. Fund A ka 3Y return 6.76% hai, jo fund B ka 13.45% se kam hai. Haan, fund A ka 5Y return 5.95% hai, jo fund B ka 14.57% se kam hai. Isliye, fund A aapke liye SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Haan, aaj hum riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karenge. Fund A ka riskometer low hai, jo fund B ka very high riskometer se thoda kam hai. Fund A ka volatility 0.11 hai, jo fund B ka 17.83 se kam hai. Sharpe ratio mein fund A ka 2.36 hai, jo fund B ka 0.39 se zyada hai. Expense ratio mein fund B ka 0.82% fund A ka 0.12% se jyada hai. Isliye, fund A aapke liye better hai.
📊 Portfolio Diversification
Portfolio diversification ka matlab hai ki asset allocation aur top holdings concentration kitni hai. Fund A ka asset allocation T-Bills mein 65%, CD mein 20%, CP mein 10% aur cash mein 5% hai. Fund B ka asset allocation equity mein 91% aur cash & equivalents mein 9% hai. Fund A ka top holdings concentration State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein 8.5%, 7.2% aur 6.8% hai. Fund B ka top holdings concentration Aarti Drugs Ltd., Hatsun Agro Product Ltd. aur National Aluminium Company Ltd. mein 3.2%, 2.9% aur 2.7% hai. Isliye, fund A aapke liye better hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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 14.57% hai, jo fund A ka 5Y return 5.95% se zyada hai. Isliye, fund B aapke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ka 3Y return 13.45% hai, jo fund A ka 3Y return 6.76% se zyada hai. Lekin, fund B ka volatility 17.83 hai, jo fund A ka 0.11 se zyada hai. Isliye, fund B aapke liye risk hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki fund A ka expense ratio 0.12% hai, jo fund B ka 0.82% se kam 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