Axis Liquid Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.92%
Chaliye, dekho! Aaj hum do fund ke beech ka comparison karne ja rhe hain, Axis Liquid Fund aur Baroda BNP Paribas Liquid Fund. Dono fund liquid category mein hain aur humein yeh jaanna hai ki yeh dono fund investor ke liye kitne achhe hain.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Baroda BNP Paribas |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 3208.35 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 4.36 | 3.82 |
| 1 Year Return (%) | 6.25% | 6.16% |
| 3 Year Return (%) | 6.98% | 6.92% |
| 5 Year Return (%) | 6.17% | 6.14% |
| Since Launch (%) | 6.86% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, yeh to thoda mushkil hai lekin haalanki humein 3Y return, expense ratio, aur risk ke hisaab se fund ka behtar anjaam nikaalna hai. To, 3Y return ke hisaab se Fund A 6.98% return dete hai jabki Fund B 6.92% return dete hai. Expense ratio ke hisaab se Fund A 0.11% expense ratio ke saath aata hai jabki Fund B 0.12% expense ratio ke saath aata hai. Aur riskometer ke hisaab se dono fund low riskometer ke saath aate hain. To, fund ka behtar anjaam Fund A hai.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Monthly SIP ke liye Fund B aur bhi achha hai kyunki yeh fund 10+ saal tak SIP karne ke liye thoda consistent return dete hain. Fund A ke 3Y return 6.98% hai lekin Fund B ke 3Y return 6.92% hai. Isliye, Fund B monthly SIP ke liye aur bhi achha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se Fund A aur Fund B dono low riskometer ke saath aate hain aur volatility ke hisaab se dono fund 0.11% volatility ke saath aate hain. Sharpe ratio ke hisaab se Fund A 4.36 Sharpe ratio ke saath aata hai jabki Fund B 3.82 Sharpe ratio ke saath aata hai. Isliye, Fund A risk-adjusted return mein aur bhi achha hai. Lekin expense ratio ke hisaab se dono fund 0.11% aur 0.12% expense ratio ke saath aate hain, jisse Fund A aur bhi cost-effective hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se Fund A CP mein 53.47% aur CD mein 31.44% investment karta hai. Lekin Fund B T-Bills mein 65.00% aur CD mein 20.00% investment karta hai. Isliye, Fund B aur bhi asset allocation mein aur bhi diversified hai. Top holdings concentration ke hisaab se Fund A Reserve Bank of India mein 3.46% investment karta hai jabki Fund B State Bank of India CD mein 8.5% investment karta hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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 A 5Y return 6.17% hai jabki Fund B 5Y return 6.14% hai. Isliye, Fund A long run mein better returns dete hai.
Q2: Is the higher risk fund worth it?
Na, Fund A aur Fund B dono low riskometer ke saath aate hain. Aur volatility ke hisaab se dono fund 0.11% volatility ke saath aate hain. To, Fund A aur Fund B dono risk-adjusted return mein aur bhi achhe hain.
Q3: Which fund is more cost-effective?
Haan, Fund A expense ratio ke hisaab se 0.11% expense ratio ke saath aata hai jabki Fund B 0.12% expense ratio ke saath aata hai. Isliye, Fund A 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