Axis Liquid Fund vs Angel One Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
12.3%
Ek baar fir se hum aapko do aam fundon ke beech ki tulna karte hain. Fund A hai Axis Liquid Fund aur Fund B hai Angel One Mutual Fund Balanced Advantage Fund. Yeh donon fund category ke hisaab se alag alag hain, lekin aapko maloom karna hoga ki iski aapko kya fayda hoga aur kya rishton mein aapke paisay theek se lagte hain. Aaj hum yehi jaanne ki koshish karenge ki Fund A versus Fund B mein konsa fund aapke liye behtar hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 3096.85 | 16.39 |
| AUM (₹ Cr) | 5.16 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.11 | 8.79 |
| Sharpe Ratio | 4.36 | 0.66 |
| 1 Year Return (%) | 6.25% | 3.08% |
| 3 Year Return (%) | 6.98% | 12.3% |
| 5 Year Return (%) | 6.17% | 7.51% |
| Since Launch (%) | 6.86% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 207% | 127% |
🤖 AI Verdict – Which is Better?
Yeh pata chal gaya hai ki Fund A aur Fund B dono alag alag category mein hain. Fund A ek liquid fund hai, jiska mukhya uddeshya rishit kiya gaya hai jo 3 saal ke liye 6.98% ki return dete hain. Yeh expense ratio mein bhi kam hain, 0.11% jo Fund B ka 0.78% se kam hai. Fund B ek balanced hybrid fund hai, jiska 3 saal ke return 12.3% hain, lekin yeh bahut hi jatil fund hai. Isliye, agar aapke liye long-term wealth creation hai, to Fund A hai aapke liye behtar fund.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider Angel One Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
SIP ki madad se aap apne paison ko niram roop se invest kar sakte hain. Fund A ki jaldi return stability hai, lekin Fund B ki return 1 saal ke liye kam hai. Isliye, agar aap 10+ saal ke liye SIP kar rahe hain, to Fund A aapke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Yeh pata chal gaya hai ki Fund A ki riskometer low hai, jiska mukhya uddeshya risk-free return dete hain. Fund B ki volatility bahut jyada hai, jiska mukhya uddeshya aapko risk-free return nahin dete hain. Sharpe ratio mein bhi Fund A ka 4.36 se bada hai, jiska mukhya uddeshya aapko risk-adjusted return dete hain. Isliye, Fund A aapke liye behtar fund hai.
📊 Portfolio Diversification
Yeh pata chal gaya hai ki Fund A ki asset allocation bahut jatil hai, jisme CP, CD, T-Bills, Debenture, Money Mkt, Bonds/NCD, NCD, Debt, aur IRS shamil hain. Fund B ki asset allocation bahut kam hai, jisme Equity, Debt, aur T-Bills shamil hain. Isliye, Fund A ki portfolio diversification bahut jatil hai, jiske liye aapko sector risk nahin hota hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Angel One Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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?
Yeh pata chal gaya hai ki Fund A ki 5 saal ke return 6.17% hain, jo Fund B ki 5 saal ke return 7.51% se kam hai. Isliye, Fund A aapke liye behtar fund hai.
Q2: Is the higher risk fund worth it?
Yeh pata chal gaya hai ki Fund B ki volatility bahut jyada hai, jiska mukhya uddeshya aapko risk-free return nahin dete hain. Sharpe ratio mein bhi Fund B ka 4.36 se kam hai, jiska mukhya uddeshya aapko risk-adjusted return nahin dete hain. Isliye, Fund B aapke liye nahin hai.
Q3: Which fund is more cost-effective?
Yeh pata chal gaya hai ki Fund A ka expense ratio 0.11% hai, jo Fund B ka 0.78% se kam hai. Isliye, Fund A aapke liye behtar fund 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