Angel One Mutual Fund Liquid Fund vs Tata Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.93%
Yeh dono funds Liquid Fund ke under aaye hain, jisse aapko apne cash ko secure karne aur interest prapt karne mein madad milegi. Ye post aapko Fund A aur Fund B ke beech ki comparison karega, taki aapko pata chale ki inmein se kis fund ka long-term wealth creation mein better hai.
[VERDICT]| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | Tata Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 5622.79 |
| AUM (₹ Cr) | 4.67 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 2.36 | 3.31 |
| 1 Year Return (%) | 6.03% | 6.17% |
| 3 Year Return (%) | 6.76% | 6.93% |
| 5 Year Return (%) | 5.95% | 6.11% |
| Since Launch (%) | 6.23% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Sonam Udasi (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 221% | 297% |
🤖 AI Verdict – Which is Better?
Haan, Fund B kiya hai better. Yeh isliye hai kyonki uska 3Y return 6.93% hai, jo Fund A ke 6.76% se jyada hai. Sath hi, Fund B ka expense ratio 0.12% hai, jo Fund A ki 0.12% se bhi kam nahi hai. Lekin, jab bhi aapko long-term wealth creation ki jaroorat hogi, to Fund A ki riskometer low hai, jo aapki securti ke liye achha 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Yeh dono funds SIP ke liye acchi options hain, lekin Fund B ke 1Y return 6.17% hai, jo Fund A ke 6.03% se jyada hai. Yeh dono funds consistent returns dete hain, lekin Fund B ka Sharpe ratio 3.31 hai, jo Fund A ka 2.36 se jyada hai. To, ismein se Fund B ke liye SIP karne ka better vikalp hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Yeh dono funds low riskometer ke under aaye hain, lekin Fund B ka volatility 0.13 hai, jo Fund A ka 0.11 se jyada hai. Lekin, Fund B ka Sharpe ratio 3.31 hai, jo Fund A ka 2.36 se jyada hai. Isse pata chalta hai ki Fund B ka risk-adjusted return better hai. Sath hi, dono funds ke expense ratio 0.12% hai, jo kam hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Yeh dono funds asset allocation ke liye T-Bills, CD, CP aur cash ka 65:20:10:5 ratio ka use karte hain. Lekin, Fund B ka top holdings concentration State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai, jo Fund A ke saman hai. So, dono funds asset allocation ke liye aapke liye acchi options hain.
[FAQ]SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Sach ye hai, Fund B kiya hai long run mein better. Yeh isliye hai kyonki uska 5Y return 6.11% hai, jo Fund A ke 5.95% se jyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B higher risk hai, lekin uska Sharpe ratio 3.31 hai, jo Fund A ka Sharpe ratio 2.36 se jyada hai. Isse pata chalta hai ki Fund B ka risk-adjusted return better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, dono funds ka expense ratio 0.12% hai, jo kam hai. To, aapko dono options mein se apne liye better fund chunna hoga.
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