Axis Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
12.82%
Apne paisa ki sahi jagah kheenchne ke liye hum do funds ka comparison kar rahe hain - Axis Liquid Fund aur Kotak Mahindra Large Cap Fund. Ye do funds alag-alag categories mein aate hain - Liquid aur Large Cap. Fund B hai jiski return last 1 varsh mein -2.46% thi, lekin iska 3 aur 5 varsh ka return tha 12.82% aur 12.2%. Fund A ka 1 varsh ka return tha 6.25%, 3 aur 5 varsh ka return tha 6.98% aur 6.17%. Chaliye, dekho kis fund mein humaraya paisa better return de sakta hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Kotak Mahindra |
| Category | Liquid | Large Cap |
| NAV (₹) | 3096.85 | 635.60 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.11% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.32 |
| Sharpe Ratio | 4.36 | 0.56 |
| 1 Year Return (%) | 6.25% | -2.46% |
| 3 Year Return (%) | 6.98% | 12.82% |
| 5 Year Return (%) | 6.17% | 12.2% |
| Since Launch (%) | 6.86% | 13.87% |
| 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) | Harsha Upadhyaya (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 207% | 16% |
🤖 AI Verdict – Which is Better?
Haan, ye sawal sabse important hai. Fund A aur Fund B dono mein kuch aise factors hain jo long-term wealth creation ke liye zaroori hain - 3Y return, expense ratio, aur riskometer. Fund A ka 3Y return tha 6.98%, expense ratio tha 0.11%, aur riskometer tha Low. Fund B ka 3Y return tha 12.82%, expense ratio tha 1.36%, aur riskometer tha Very High. Chaliye, dekho kis fund mein humaraya paisa better return de sakta hai. Fund B ka return zyada tha, lekin iska expense ratio bhi jyada tha. Haan, Fund B zyada risk wala hai, lekin iska return bhi zyada tha. Lekin, Fund A ka expense ratio kam tha aur iska riskometer Low tha. Sach ye hai, Fund A fund B ke liye better option 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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
Yeh sawal bhi important hai - kis fund mein humaraya paisa SIP ke liye better hai. Fund A aur Fund B dono mein kuch aise factors hain jo SIP ke liye zaroori hain - consistency aur return stability. Fund A ka 1Y return tha 6.25%, 3Y return tha 6.98%, aur 5Y return tha 6.17%. Fund B ka 1Y return tha -2.46%, 3Y return tha 12.82%, aur 5Y return tha 12.2%. Chaliye, dekho kis fund mein humaraya paisa better return de sakta hai. Fund A ka return constaant raha, lekin Fund B ka return fluctuate raha. Haan, Fund B ka return zyada tha, lekin iska expense ratio bhi jyada tha. Lekin, Fund A ka expense ratio kam tha aur iska riskometer Low tha. Sach ye hai, Fund A fund B ke liye better option hai.
⚠️ Risk & Cost Analysis
Yeh sawal bhi important hai - kis fund mein humaraya paisa better risk-adjusted returns de sakta hai. Fund A aur Fund B dono mein kuch aise factors hain jo risk-adjusted returns ke liye zaroori hain - riskometer, volatility, Sharpe ratio, aur expense ratio. Fund A ka riskometer tha Low, volatility tha 0.11, Sharpe ratio tha 4.36, aur expense ratio tha 0.11%. Fund B ka riskometer tha Very High, volatility tha 11.32, Sharpe ratio tha 0.56, aur expense ratio tha 1.36%. Chaliye, dekho kis fund mein humaraya paisa better risk-adjusted returns de sakta hai. Fund A ka riskometer Low tha, lekin Fund B ka riskometer Very High tha. Haan, Fund B ka Sharpe ratio kam tha, lekin iska expense ratio bhi jyada tha. Lekin, Fund A ka expense ratio kam tha aur iska riskometer Low tha. Sach ye hai, Fund A fund B ke liye better option hai.
📊 Portfolio Diversification
Yeh sawal bhi important hai - kis fund mein humaraya paisa better portfolio diversification de sakta hai. Fund A aur Fund B dono mein kuch aise factors hain jo portfolio diversification ke liye zaroori hain - asset allocation aur top holdings concentration. Fund A ka asset allocation tha 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%, aur IRS 0%. Fund B ka asset allocation tha Equity 96.00% aur T-Bills 4.00%. Chaliye, dekho kis fund mein humaraya paisa better portfolio diversification de sakta hai. Fund A ka asset allocation zyada diversified tha, lekin Fund B ka asset allocation zyada concentrated tha. Haan, Fund A ka top holdings concentration kam tha, lekin Fund B ka top holdings concentration jyada tha. Lekin, Fund A ka portfolio diversification better tha aur iska riskometer Low tha. Sach ye hai, Fund A fund B ke liye better option hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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?
Answer based on 5Y/3Y returns. Fund A ka 5Y return tha 6.17%, lekin Fund B ka 5Y return tha 12.2%. Haan, Fund B ka 3Y return zyada tha, lekin iska expense ratio bhi jyada tha. Lekin, Fund A ka expense ratio kam tha aur iska riskometer Low tha. Sach ye hai, Fund B fund A ke liye better option hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund B ka volatility tha 11.32, lekin Sharpe ratio tha 0.56. Haan, Fund B ka Sharpe ratio kam tha, lekin iska expense ratio b
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