Axis Liquid Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
18.13%
Agar aapke paas ek naye investment plan ke liye paisa hai, to aaj hum do alag-alag fundon ko dekhege - Axis Liquid Fund aur SBI Focused Fund. Ye dono fund ek-ek alag category mein aate hain, lekin kya aapne socha hai ki aapko kis fund mein invest karna chahiye? Yahaan hum aapko fundon ki comparison karke bataenge ki kis fund mein invest karna hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 3096.85 | 432.21 |
| AUM (₹ Cr) | 5.16 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.11% | 1.47% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.25 |
| Sharpe Ratio | 4.36 | 0.88 |
| 1 Year Return (%) | 6.25% | 12.11% |
| 3 Year Return (%) | 6.98% | 18.13% |
| 5 Year Return (%) | 6.17% | 15.02% |
| Since Launch (%) | 6.86% | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| 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: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 207% | 45% |
🤖 AI Verdict – Which is Better?
Ab chaliye hum sochenge ki kis fund mein 3 saal ka return, expense ratio aur risk ke hisaab se invest karna chahiye. Fund B, SBI Focused Fund, 3 saal mein 18.13% ka return deta hai, jo ki bahut hi achha hai. Lekin expense ratio 1.47% hai, jo ki bahut hi jyada hai. Fund A, Axis Liquid Fund, 3 saal mein 6.98% ka return deta hai, lekin expense ratio 0.11% hai, jo ki bahut hi kam hai. Sach ye hai ki riskometer ke hisaab se Fund B bahut hi jatil risk ka fund hai, lekin agar aap long term mein invest karna chahte hain, toh Fund B aapke liye bahut hi achha fund 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 Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
Agar aap ek monthly SIP ke liye invest karna chahte hain, toh hum sochenge ki kis fund mein invest karna chahiye. Fund A, Axis Liquid Fund, bahut hi stable return deta hai, jisse aapke paisa safe rahenge. Lekin Fund B, SBI Focused Fund, 1 saal mein 12.11% ka return deta hai, jo ki bahut hi achha hai. Lekin volatility bhi bahut hi jyada hai, jisse aapke paisa risk mein pad sakte hain. Sach ye hai ki Fund A aapke liye SIP ke liye bahut hi achha fund hai.
⚠️ Risk & Cost Analysis
Ab chaliye hum riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison karein. Riskometer ke hisaab se Fund B bahut hi jatil risk ka fund hai, lekin volatility bhi bahut hi jyada hai. Sharpe ratio ke hisaab se Fund A bahut hi achha fund hai. Lekin expense ratio ke hisaab se Fund A bahut hi kam expense ratio ka fund hai. Sach ye hai ki Fund A aapke liye risk-adjusted return ka fund hai.
📊 Portfolio Diversification
Ab chaliye hum asset allocation aur top holdings concentration ki comparison karein. Fund A, Axis Liquid Fund, CP mein 53.47%, CD mein 31.44%, aur T-Bills mein 11.86% ka asset allocation hota hai. Lekin Fund B, SBI Focused Fund, equity mein 76.29%, aur forgn. eq mein 14.88% ka asset allocation hota hai. Sach ye hai ki Fund A aapke liye asset allocation ke hisaab se bahut hi achha fund hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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, SBI Focused Fund, 5 saal mein 15.02% ka return deta hai, jo ki bahut hi achha hai. Lekin Fund A, Axis Liquid Fund, 5 saal mein 6.17% ka return deta hai, jo ki bahut hi kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B, SBI Focused Fund, higher risk ka fund hai, lekin volatility bhi bahut hi jyada hai. Sharpe ratio ke hisaab se Fund A bahut hi achha fund hai.
Q3: Which fund is more cost-effective?
Fund A, Axis Liquid Fund, expense ratio 0.11% hai, jo ki bahut hi kam hai. Lekin Fund B, SBI Focused Fund, expense ratio 1.47% hai, jo ki bahut hi jyada hai. Sach ye hai ki Fund A aapke liye cost-effective fund 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