Axis Liquid Fund vs LIC Mutual Fund 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, ab hum aapko Fund A - Axis Liquid Fund aur Fund B - LIC Mutual Fund Liquid Fund ke beech mein comparison karenge. Ye donon funds liquid category mein aate hain. Aap sabse pehle jaante hain ki aapko itne fundon mein investment karna hai ya nahi.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | LIC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 5622.79 |
| AUM (₹ Cr) | 5.16 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 4.36 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono low riskometer wale hain lekin Fund A ka 3Y return 6.98% hai jo Fund B ka 6.93% se adhik hai. Expense ratio ke hisab se bhi Fund A kam mehngi hai. Lekin, Sharpe ratio Fund B ka 3.58 hai jo Fund A ka 4.36 se kam hai. To, aaj hamara verdict hai ki Fund A long-term mein 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye, ab hum SIP Suitability par dekhte hain. Fund A ka 3Y return Fund B se 0.05% adhik hai. Lekin, Fund A ka expense ratio Fund B ka 0.01% kam hai. Haalaanki, Fund B ka asset allocation thoda adhik stable hai. To, ab aapko decide karna hai fund aapke liye kitna accha hai.
⚠️ Risk & Cost Analysis
Ab hum Fund A aur Fund B ke riskometer, volatility aur Sharpe ratio ke beech mein comparison karenge. Riskometer dono funds mein low hai lekin Fund A ka Sharpe ratio Fund B ka 4.36 se 1.78 kam hai. Lekin, Fund A ka volatility 0.11 hai jo Fund B ka 0.12 se kam hai. Haalaanki, Fund B ka expense ratio Fund A ka 0.01% kam hai. To, aapko decide karna hai ki aap Fund A ya Fund B par investment karna chahte hain.
📊 Portfolio Diversification
Ab hum Fund A aur Fund B ke asset allocation aur top holdings ke beech mein comparison karenge. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Money Mkt, Bonds/NCD, NCD, Debt, IRS ke beech mein distribute hai. Haalaanki, Fund B ka asset allocation T-Bills, CD, CP, Cash ke beech mein distribute hai. To, Fund B ka asset allocation thoda adhik stable hai. Lekin, Fund A ka top holdings concentration Reserve Bank of India, National Bank For Agriculture & Rural Development, aur Reliance Jio Infocomm Ltd. mein hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
LIC Mutual Fund 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?
Sach ye hai, Fund A ka 5Y return 6.17% hai jo Fund B ka 6.11% se adhik hai. To, Fund A long-term mein aapke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka volatility Fund B ka 0.01% kam hai. Lekin, Fund B ka Sharpe ratio Fund A ka 1.78 kam hai. To, aapko decide karna hai ki Fund A ya Fund B par investment karna chahte hain.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio Fund B ka 0.01% kam hai. To, Fund A cost-effectiveness ke hisab se better fund 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