Axis Liquid Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
20.86%
Aaj hum 2 funds ka comparison karne ja rahe hain, Fund A, Axis Liquid Fund Direct Plan Growth aur Fund B, JM Financial Multi Cap Fund Regular Plan Growth. Dekho, kya Fund A Liquid category ka hai aur Fund B Multi Cap category ka hai. Aaj hum dekheinge kis fund mein investment karna achha hai aur kya features hain jo iske investment ko aur bhi secure banate hain.
[VERDICT]| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | JM Financial |
| Category | Liquid | Multi Cap |
| NAV (₹) | 3096.85 | 19.01 |
| AUM (₹ Cr) | 5.16 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.11% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.35 |
| Sharpe Ratio | 4.36 | 1 |
| 1 Year Return (%) | 6.25% | 5.23% |
| 3 Year Return (%) | 6.98% | 20.86% |
| 5 Year Return (%) | 6.17% | 0% |
| Since Launch (%) | 6.86% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 207% | 44% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ki sabse badi baat ye hai ki iska 3Y return 6.98% hai, jo bahut achha hai. Lekin, expense ratio bhi bahut chhota hai, 0.11% hi. Iske alawa, riskometer low hai, jisse investment aur secure hai. Toh, hamara verdict hai ki Fund A long-term wealth creation ke liye better hai.
[SIP_SUITABILITY]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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
Chaliye, hum SIP ke liye kis fund ka matlab hai. Fund A ki consistency aur return stability bahut achhi hai. Haan, 1Y aur 3Y return bahut acchi hai, lekin expense ratio bhi bahut chhota hai. Iske alawa, asset allocation bahut acchi hai, jisse investment secure hai. Toh, Fund A SIP ke liye better hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Sach ye hai, Fund A ki riskometer low hai aur expense ratio bhi chhota hai, 0.11%. Haan, volatility bhi bahut chhota hai, jisse investment aur safe hai. Sharpe ratio bhi bahut accha hai, 4.36. Iske alawa, Sharpe ratio aur expense ratio ke beech ka ratio bahut accha hai, jisse investment aur secure hai. Toh, Fund A ka risk-adjusted return bahut accha hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Chaliye, hum fund ki asset allocation aur top holdings ko dekhte hain. Fund A ki asset allocation bahut acchi hai, 53.47% CP, 31.44% CD, aur 11.86% T-Bills. Haan, top holdings bhi bahut acchi hain, Reserve Bank of India, National Bank For Agriculture & Rural Development, aur Reliance Jio Infocomm Ltd. Iske alawa, asset allocation bahut diversified hai, jisse investment aur secure hai. Toh, Fund A portfolio diversification ke liye better hai.
[FAQ]SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Haan, Fund A ka 3Y return 6.98% hai, jo bahut accha hai. Iske alawa, 5Y return bhi accha hai, 6.17%. Toh, Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility bahut chhota hai, 14.35, lekin Sharpe ratio bahut chhota hai, 1. Iske alawa, riskometer high hai, jisse investment aur riski hai. Toh, Fund B ka higher risk fund worth it nahi hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio bahut chhota hai, 0.11%. Iske alawa, Fund A ki asset allocation bahut acchi hai, jisse investment aur secure hai. Toh, 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