Axis Liquid Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.98%
Aapke paas do liquid funds hain, jinki shuruaati kee jaankari hum aaj discuss karenge. Axis Liquid Fund aur Bandhan Mutual Fund Liquid Fund humein kaise apne investment kee neeyat aur risk takneeke kee jaankaari denge. Dekho, yeh dono funds liquid category mein aate hain, lekin unke performance aur riskometer kee jaankari alag-alag hain.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 39.33 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 4.36 | 4 |
| 1 Year Return (%) | 6.25% | 1.41% |
| 3 Year Return (%) | 6.98% | 6.98% |
| 5 Year Return (%) | 6.17% | 5.96% |
| Since Launch (%) | 6.86% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Manish Gunwani (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 207% | 251% |
🤖 AI Verdict – Which is Better?
Haan, chaliye aapko bataate hain ki kis fund ko long-term wealth creation ke liye seekha ja sakta hai. 3Y return, expense ratio, aur risk kee jaankari ke aadhaar par hum kahaenge ki kis fund ko pehle chunna hai. Fund A ka 3Y return 6.98% hai, lekin expense ratio bhi 0.11% hai. Fund B ka 3Y return bhi 6.98% hai, lekin expense ratio 0.12% hai. Sach ye hai, Fund A ismein kam expense ratio ke saath saath acchi return bhi deti hai, isliye hum isey pehle chunenge.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
Chaliye hum aapko bataate hain ki kis fund ko monthly SIP ke liye seekha ja sakta hai. Dekho, Fund A ka 1Y return 6.25% hai, jiska maana hoga ki yeh fund acchi return deti hai. Lekin, Fund B ka 1Y return 1.41% hai, jiska maana hoga ki yeh fund thoda kam return deti hai. Lekin, yeh dono funds liquid category mein aate hain, isliye inhen SIP ke liye seekha ja sakta hai. Fund A ko monthly SIP ke liye seekha ja sakta hai, kyonki yeh fund acchi return deti hai aur kam risk hai.
⚠️ Risk & Cost Analysis
Chaliye hum aapko bataate hain ki kis fund mein kam risk aur kam cost hai. Dekho, Fund A ka riskometer Low hai, jiska maana hoga ki yeh fund kam risk hai. Fund B ka riskometer bhi Low hai, lekin iska volatility 0.12 hai, jiska maana hoga ki yeh fund thoda zyada risk hai. Lekin, yeh dono funds expense ratio mein alag-alag hain. Fund A ka expense ratio 0.11% hai, jiska maana hoga ki yeh fund kam cost hai. Fund B ka expense ratio 0.12% hai, jiska maana hoga ki yeh fund thoda zyada cost hai. Sach ye hai, Fund A ismein kam risk aur kam cost hai, isliye hum isey pehle chunenge.
📊 Portfolio Diversification
Chaliye hum aapko bataate hain ki kis fund mein portfolio diversification ki jaankari hai. Dekho, Fund A ka asset allocation mein CP 53.47%, CD 31.44%, aur T-Bills 11.86% hai. Fund B ka asset allocation mein T-Bills 65.00%, CD 20.00%, aur CP 10.00% hai. Fund A ka asset allocation mein kam concentration hai, jiska maana hoga ki yeh fund portfolio diversification mein achha hai. Fund B ka asset allocation mein zyada concentration hai, jiska maana hoga ki yeh fund portfolio diversification mein kam accha hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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?
Haan, Fund A ka 5Y return 6.17% hai, jiska maana hoga ki yeh fund long run mein acchi return deti hai. Lekin, Fund B ka 5Y return 5.96% hai, jiska maana hoga ki yeh fund thoda kam return deti hai. Lekin, yeh dono funds liquid category mein aate hain, isliye inhen long run mein seekha ja sakta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility 0.11 hai, jiska maana hoga ki yeh fund kam risk hai. Fund B ka volatility 0.12 hai, jiska maana hoga ki yeh fund zyada risk hai. Lekin, Fund A ka Sharpe ratio 4.36 hai, jiska maana hoga ki yeh fund acchi risk-adjusted return deti hai. Isliye, Fund A ismein kam risk aur acchi risk-adjusted return hai, isliye hum isey pehle chunenge.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.11% hai, jiska maana hoga ki yeh fund kam cost hai. Fund B ka expense ratio 0.12% hai, jiska maana hoga ki yeh fund thoda zyada cost hai. Isliye, Fund A ismein kam cost hai, isliye hum isey pehle chunenge.
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