Axis Liquid Fund vs Navi Mutual Fund 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%
Agar aapko pata hai ki aapko do liquid aur multi-cap funds ke beech mein chunav karna hai, to yeh post aapke liye hai. Hum aapko Fund A - Axis Liquid Fund aur Fund B - Navi Mutual Fund Multi Cap Fund ke beech mein comparison karayenge.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 3096.85 | 19.01 |
| AUM (₹ Cr) | 5.16 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.11% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15 |
| Sharpe Ratio | 4.36 | 0.96 |
| 1 Year Return (%) | 6.25% | 5.23% |
| 3 Year Return (%) | 6.98% | 20.86% |
| 5 Year Return (%) | 6.17% | 11.52% |
| 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) | Gopal Agrawal; Atul Zabhade (3.2 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% | 52% |
🤖 AI Verdict – Which is Better?
Haan, chaliye dekhte hain ki kis fund long-term ke liye achha hai. 3Y return, expense ratio aur risk ke hisab se, hum kahaenge ki kis fund better hai.
3Y return ke hisab se, Fund A ne 6.98% ki return di hai, jabki Fund B ne 20.86% ki return di hai. Lekin expense ratio ke hisab se, Fund A better hai, kyunki expense ratio 0.11% hai, jabki Fund B ka expense ratio 1.68% hai. Aur riskometer ke hisab se, Fund A Low risk hai, jabki Fund B Very High risk hai.
Isliye, hamara verdict hai ki Fund A long-term ke liye better 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Navi Mutual Fund Multi Cap Fund (Fund B) ke hisab se, Fund B monthly SIP ke liye better hai, lekin only agar aap 10+ saal ke liye invest karna chahte hain. Lekin agar aap chotay investment ke liye SIP karna chahte hain, to Axis Liquid Fund (Fund A) better hai.
⚠️ Risk & Cost Analysis
Chaliye dekhte hain ki kis fund better risk-adjusted returns deta hai. Fund A ka riskometer Low hai, jabki Fund B ka riskometer Very High hai. Aur volatility ke hisab se, Fund B ka volatility 15 hai, jabki Fund A ka volatility 0.11 hai.
Sharpe ratio ke hisab se, Fund A 4.36 ke sharpe ratio se behtar hai, jabki Fund B ka sharpe ratio 0.96 hai. Lekin expense ratio ke hisab se, Fund A better hai, kyunki expense ratio 0.11% hai, jabki Fund B ka expense ratio 1.68% hai.
Isliye, Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Portfolio diversification ke hisab se, Fund A ka asset allocation bahut bada hai, lekin Fund B ka asset allocation bahut kam hai. Fund A ka 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%) hai.
Fund B ka asset allocation Equity (97.00%), T-Bills (3.00%) hai. Isliye, Fund A ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Navi Mutual Fund 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?
Sach ye hai ki Fund B 5Y return ke hisab se 11.52% ki return di hai, jabki Fund A ne 6.17% ki return di hai, aur 3Y return ke hisab se, Fund B ne 20.86% ki return di hai, jabki Fund A ne 6.98% ki return di hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke hisab se, Fund B ka risk higher hai, lekin Fund A ka riskometer Low hai. Isliye, Fund B ki higher risk worth hai, lekin sirf agar aap volatility handle karenge.
Q3: Which fund is more cost-effective?
Expense ratio ke hisab se, Fund A cost-effective hai, kyunki expense ratio 0.11% hai, jabki Fund B ka expense ratio 1.68% 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