Axis Liquid Fund vs Old Bridge Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
12.3%
Today, we're comparing two popular funds in the Indian market - Axis Liquid Fund and Old Bridge Mutual Fund Balanced Advantage Fund. Both funds cater to different investment objectives but offer unique features. In this article, we'll break down their performance, risk, and cost, helping you make an informed decision. Dekho, let's dive into the details!
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 3096.85 | 16.39 |
| AUM (₹ Cr) | 5.16 Lac Cr | 1.58 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.11 | 9.11 |
| Sharpe Ratio | 4.36 | 0.64 |
| 1 Year Return (%) | 6.25% | 3.08% |
| 3 Year Return (%) | 6.98% | 12.3% |
| 5 Year Return (%) | 6.17% | 5.27% |
| Since Launch (%) | 6.86% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| 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. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| 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: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 207% | 145% |
🤖 AI Verdict – Which is Better?
Haaan, the clear winner for long-term wealth creation is Fund A - Axis Liquid Fund. With a 3Y return of 6.98% and a low expense ratio of 0.11%, it offers better risk-adjusted returns. The riskometer rating of Low further solidifies its position as a safe and stable investment option.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider Old Bridge Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.58 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Chaliye, let's compare the funds' consistency and return stability for a monthly SIP over 10+ years. Fund A's consistent returns and low volatility make it a better choice for a long-term SIP. Its AUM of Rs 51,643.21 crore also indicates a more stable and established fund.
⚠️ Risk & Cost Analysis
Sach ye hai, let's compare the riskometer, volatility, and expense ratio of both funds. While Fund B has a higher 3Y return, its Moderately High riskometer rating and higher volatility (9.11) make it less suitable for risk-averse investors. Fund A's low expense ratio of 0.11% and low volatility (0.11) offer better risk-adjusted returns.
📊 Portfolio Diversification
Haan, let's compare the asset allocation and top holdings concentration of both funds. Fund A has a diversified portfolio with 53.47% in CP and 31.44% in CD, while Fund B has a higher equity allocation of 65%. However, Fund B's top holdings are concentrated in HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), and Reliance Industries Ltd. (4.5%), which may not be suitable for all investors.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
Old Bridge Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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?
According to the 5Y return, Fund A - Axis Liquid Fund offers better returns with a 5Y return of 6.17% compared to Fund B's 5Y return of 5.27%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund (Fund B) is not worth it. Its Moderately High riskometer rating and higher volatility (9.11) make it less suitable for risk-averse investors. Fund A's low volatility (0.11) and low expense ratio of 0.11% offer better risk-adjusted returns.
Q3: Which fund is more cost-effective?
Fund A - Axis Liquid Fund is more cost-effective with an expense ratio of 0.11% compared to Fund B's expense ratio of 0.78%.
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