Axis Liquid Fund vs PPFAS Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
14.7%
Dekho, today we're comparing two popular funds from different categories. Fund A is an Axis Liquid Fund - Direct Plan - Growth, while Fund B is PPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth. In this comparison, we will check which fund is better for long-term wealth creation and suitable for a monthly SIP.
[VERDICT]| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 3096.85 | 497.22 |
| AUM (₹ Cr) | 5.16 Lac Cr | 2.44 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.07 |
| Sharpe Ratio | 4.36 | 0.68 |
| 1 Year Return (%) | 6.25% | -4.02% |
| 3 Year Return (%) | 6.98% | 14.7% |
| 5 Year Return (%) | 6.17% | 12.03% |
| Since Launch (%) | 6.86% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Rajeev Thakkar (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 207% | 24% |
🤖 AI Verdict – Which is Better?
Chaliye, let's see which fund is better for long-term wealth creation. Fund A has a 3Y return of 6.98%, which is impressive for a liquid fund. Lekin, Fund B has a very high risk with a 3Y return of 14.7%. Considering the expense ratio, Fund A is more cost-effective with an expense ratio of 0.11%. Haan, our verdict is that Fund A is a better option for long-term wealth creation.
[SIP_SUITABILITY]Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider PPFAS Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.44 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
For a monthly SIP, we need to consider consistency and return stability. Chaliye, let's compare the returns of both funds over the years. Fund A has a consistent return of around 6-7% over the past 5 years, while Fund B has a volatile return of around 10-15%. Lekin, if you're willing to take some risk, Fund B can give better returns in the long run. Sach ye hai, it's essential to evaluate your risk tolerance before investing in Fund B.
[RISK_COST]⚠️ Risk & Cost Analysis
Now, let's compare the riskometer, volatility, and Sharpe ratio of both funds. Fund A has a low riskometer and low volatility of 0.11, while Fund B has a very high riskometer and high volatility of 12.07. Haan, Fund A is a safer option with a Sharpe ratio of 4.36. Lekin, considering the expense ratio, Fund A is more cost-effective with an expense ratio of 0.11% compared to Fund B's expense ratio of 0.52%.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Now, let's compare the asset allocation and top holdings concentration of both funds. Fund A is diversified with an asset allocation of 53.47% in CP, 31.44% in CD, and 11.86% in T-Bills. Fund B, on the other hand, has a high concentration of equity with an asset allocation of 96% in equity. Lekin, this concentration of equity can lead to sector risk. Haan, Fund A is more diversified and a safer option.
[FAQ]SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
PPFAS Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Answer based on 5Y/3Y returns. Fund B has a 5Y return of 12.03% and a 3Y return of 14.7%, which is higher than Fund A's 5Y return of 6.17% and 3Y return of 6.98%.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund B has a high volatility of 12.07, while Fund A has a low volatility of 0.11. However, Fund B has a Sharpe ratio of 0.68, which is lower than Fund A's Sharpe ratio of 4.36. Lekin, if you're willing to take some risk, Fund B can give better returns in the long run.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund A has an expense ratio of 0.11%, while Fund B has an expense ratio of 0.52%. Haan, Fund A is more cost-effective.
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