Axis Liquid Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.97%
Aaj hum dekhege hai do fundon ka comparison - Axis Liquid Fund aur JM Financial Liquid Fund. Dono fund Low Riskometer category mein hain. Hum aapko bataayenge ki yeh dono fund konsa hai aapke liye better aur aapke long-term wealth creation ke liye kitna useful hoga.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | JM Financial |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 363.19 |
| AUM (₹ Cr) | 5.16 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 4.36 | 3.92 |
| 1 Year Return (%) | 6.25% | 6.21% |
| 3 Year Return (%) | 6.98% | 6.97% |
| 5 Year Return (%) | 6.17% | 6.16% |
| Since Launch (%) | 6.86% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, yeh to sach hai ki dono fund Low Riskometer category mein hain, lekin humein 3Y return, expense ratio, aur risk ke hisaab se fund ka verdict dena hai. To, Axis Liquid Fund 3Y return mein 6.98% aur expense ratio mein 0.11% deta hai. Isliye, Axis Liquid Fund yeh dono parameters ka pehla fund hai. To, humein lagta hai ki Axis Liquid Fund aapke liye better fund 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Ab hum SIP suitability ka discussion karenge. SIP (Systematic Investment Plan) ke liye aapko ek stable fund chahiye jiska return stable rahe. To, dono fundon ka 1Y return similar hai, lekin 3Y return mein Axis Liquid Fund thoda bada hai. Isliye, humein lagta hai ki Axis Liquid Fund SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ka analysis karenge. To, dono fund Low Riskometer category mein hain, lekin Axis Liquid Fund ki volatility lower hai. Sharpe ratio mein bhi Axis Liquid Fund better hai. Expense ratio mein bhi Axis Liquid Fund 0.12% deta hai. Isliye, humein lagta hai ki Axis Liquid Fund aapke liye better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ka comparison karenge. To, Axis Liquid Fund ki asset allocation CP, CD, T-Bills, aur debenture mein hai. Isse fund ki diversification thodi low hai. Lekin, Axis Liquid Fund ki top 3 holdings Reserve Bank of India, National Bank For Agriculture & Rural Development, aur Reliance Jio Infocomm Ltd. hai. Isse fund ki sector risk thodi low hai. To, humein lagta hai ki Axis Liquid Fund ki portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@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?
Axis Liquid Fund 5Y return mein 6.17% aur 3Y return mein 6.98% deta hai, isliye yeh fund aapke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Axis Liquid Fund ki volatility lower hai aur Sharpe ratio mein bhi yeh fund better hai. Isliye, yeh fund aapke liye worth hai.
Q3: Which fund is more cost‑effective?
Axis Liquid Fund ki expense ratio 0.11% hai, jo ki JM Financial Liquid Fund ki 0.12% se lower hai. Isliye, Axis Liquid Fund 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