Axis Liquid Fund vs Navi 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%
Chaliye dekho, aaj hum do liquid funds ke beech ki comparison karenge. Fund A, Axis Liquid Fund Direct Plan Growth hai, aaj tak 51,643.21 crore ke AUM ke saath. Iske alawa, Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth hai, jo 45,360 crore ke AUM ke saath aaj tak kaam kar raha hai. Aaj hum is article mein dono funds ke beech ki comparison karenge aur aapko pata chalayenge ki kis fund ki aapko zaroorat hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 5622.79 |
| AUM (₹ Cr) | 5.16 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 4.36 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai ki long-term wealth creation ke liye aapko fund choose karna hai jo 3Y return, expense ratio, aur risk ke maamle mein accha ho. Isliye, hum aapko kahaenge ki Fund A, Axis Liquid Fund Direct Plan Growth, 3Y return ke maamle mein better hai, lekin expense ratio ka dhyaan rakhein. Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, ko bhi ek accha option hai, lekin Fund A ki aadmi kiya 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP suitability ke maamle mein, hum aapko kahaenge ki Fund A, Axis Liquid Fund Direct Plan Growth, ko monthly SIP ke liye better option hai. Ye fund 10+ years ke liye stable returns dete hai aur iske asset allocation ko lekar bhi aapko chinta nahin hogi. Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, bhi ek accha option hai, lekin Fund A jyada consistent hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke maamle mein, hum aapko kahaenge ki Fund A, Axis Liquid Fund Direct Plan Growth, jyada accha hai. Ye fund riskometer ke maamle mein Low hai, volatility 0.11 hai, aur Sharpe ratio 4.36 hai. Iske alawa, expense ratio bhi 0.11% hai. Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, ko bhi ek accha option hai, lekin Fund A jyada risk-adjusted returns dete hai.
📊 Portfolio Diversification
Portfolio diversification ke maamle mein, hum aapko kahaenge ki Fund A, Axis Liquid Fund Direct Plan Growth, jyada diversified hai. Ye fund 53.47% CP, 31.44% CD, aur 11.86% T-Bills ke saath aapko apna paisa invest karna hai. Iske alawa, asset allocation bhi jyada balanced hai. Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, ko bhi ek accha option hai, lekin Fund A jyada diversified hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Navi 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?
Haan, Fund A, Axis Liquid Fund Direct Plan Growth, 5Y return ke maamle mein better hai. Iska 5Y return 6.17% hai, jahan par Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, ka 5Y return 6.11% hai.
Q2: Is the higher risk fund worth it?
Nahin, Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, ka volatility jyada hai, 0.13. Iske alawa, Sharpe ratio bhi jyada kam hai, 3.31. Isliye, Fund B ko chunne se pehle apna aadmi kiya.
Q3: Which fund is more cost-effective?
Haan, Fund A, Axis Liquid Fund Direct Plan Growth, expense ratio ke maamle mein better hai. Iska expense ratio 0.11% hai, jahan par Fund B, Navi Mutual Fund Liquid Fund Direct Plan Growth, ka expense ratio 0.12% hai. Isliye, Fund A jyada 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