Axis Liquid Fund vs Kotak Mahindra Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.93%
Dekho, aapke paas do liquid funds hain jo aapko chunne mein madad karenge. Yah fund, Axis Liquid Fund aur Kotak Mahindra Liquid Fund, hain jo aapke paiso ke liye best hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Kotak Mahindra |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 5622.79 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 4.36 | 3.91 |
| 1 Year Return (%) | 6.25% | 6.17% |
| 3 Year Return (%) | 6.98% | 6.93% |
| 5 Year Return (%) | 6.17% | 6.11% |
| Since Launch (%) | 6.86% | 50.63% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai ki Kotak Mahindra Liquid Fund 3Y return mein Axis Liquid Fund se better hai. Lekin expense ratio ke hisaab se, Axis Liquid Fund better hai. Riskometer ke hisaab se dono fund Low hai. Lekin sharpe ratio ke hisaab se, Axis Liquid Fund better hai. Niche diya gaya hai ki dono fund ke beech kya chhotavacha 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Kotak Mahindra Liquid Fund aur Axis Liquid Fund dono SIP ke liye achhe fund hain. Lekin, long-term ke liye, Axis Liquid Fund better hai. Iska 3Y return 6.98% hai, jo Kotak Mahindra Liquid Fund ka 6.93% se better hai.
⚠️ Risk & Cost Analysis
Volatility ke hisaab se dono fund 0.11% hai. Lekin, sharpe ratio ke hisaab se, Axis Liquid Fund better hai.Expense ratio ke hisaab se, Axis Liquid Fund better hai. Riskometer ke hisaab se dono fund Low hai.
📊 Portfolio Diversification
Axis Liquid Fund ka asset allocation CP mein 53.47% hai, jo CD mein 31.44% hai. Kotak Mahindra Liquid Fund ka asset allocation T-Bills mein 65.00% hai, jo CD mein 20.00% hai. Lekin, Axis Liquid Fund ka asset allocation adhik diversified hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Kotak Mahindra Liquid Fund
₹867076.87
@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?
Axis Liquid Fund ka 5Y return 6.17% hai, jo Kotak Mahindra Liquid Fund ka 6.11% se better hai. Niche diya gaya hai ki dono fund ke beech kya chhotavacha hai.
Q2: Is the higher risk fund worth it?
Haan, Kotak Mahindra Liquid Fund ka volatility 0.11% hai, jo Axis Liquid Fund ka 0.11% se equal hai. Lekin, sharpe ratio ke hisaab se, Axis Liquid Fund better hai.
Q3: Which fund is more cost-effective?
Axis Liquid Fund ka expense ratio 0.11% hai, jo Kotak Mahindra Liquid Fund ka 0.12% se lower hai. Isliye, Axis Liquid Fund adhik 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