Axis Liquid Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
19.98%
Aaj hum do funds ke beech comparison karenge: Axis Liquid Fund aur SBI ELSS Tax Saver Fund. Ye dono funds alag-alag categories mein hain aur isliye unki investment strategy bhi alag-alag hogi. Is article mein hum aapko fund A aur fund B ke beech ki comparision karenge aur aapko pata chalega ki aapko kis fund mein investment karna chahiye.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | SBI Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 3096.85 | 462.73 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.93% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15.53 |
| Sharpe Ratio | 4.36 | 0.87 |
| 1 Year Return (%) | 6.25% | -1.1% |
| 3 Year Return (%) | 6.98% | 19.98% |
| 5 Year Return (%) | 6.17% | 17.91% |
| Since Launch (%) | 6.86% | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank 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: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 207% | 37% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye investment karna chahte hain, toh aapko fund A hi chunna chahiye. Fund A ka 3Y return 6.98% hai, jiske against fund B ka 3Y return 19.98% hai. Lekin fund A ka expense ratio 0.11% hai, jiska 2-3 times fund B se kam hai. Fund A ka riskometer bhi low hai, jiska 3-4 times fund B se kam 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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
Monthly SIP (Systematic Investment Plan) ke liye fund A hi better hai. Fund A ka 1Y return 6.25% hai, jiska against fund B ka 1Y return -1.1% hai. Fund A ka consistency bhi fund B se jyada hai, jiska 3Y return 6.98% hai. Isliye, agar aap 10+ saal ke liye SIP karna chahte hain, toh fund A hi chunna chahiye.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisaab se fund A hi better hai. Fund A ka riskometer low hai, jiska 3-4 times fund B se kam hai. Fund A ka volatility bhi low hai, jiska 10-15 times fund B se kam hai. Fund A ka Sharpe ratio 4.36 hai, jiska 4-5 times fund B se jyada hai. Fund B ka expense ratio 0.93% hai, jiska 8-9 times fund A se jyada hai.
📊 Portfolio Diversification
Fund A ka asset allocation fund B se jyada diversified hai. Fund A mein CP, CD, T-Bills, Debenture, Money Mkt, Bonds/NCD, NCD, Debt aur IRS hain. Fund B mein to sirf Equity aur T-Bills hi hain. Fund A ka top holdings mein RBI, NABARD aur Reliance Jio Infocomm Ltd. hain. Fund B ka top holdings mein ICICI Bank Ltd., Reliance Industries Ltd. aur Kotak Mahindra Bank Ltd. hain.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
Fund B ka 5Y return 17.91% hai, jiska 2-3 times fund A se jyada hai. Lekin fund A ka consistency bhi fund B se jyada hai, jiska 3Y return 6.98% hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 15.53 hai, jiska 10-15 times fund A se jyada hai. Fund B ka Sharpe ratio 0.87 hai, jiska 4-5 times fund A se kam hai. Isliye, fund B ki higher risk fund B ko chunna thoda riski hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.11% hai, jiska 8-9 times fund B se kam hai. Isliye, fund A fund B se 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