Axis Liquid Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
15.45%
Today, we'll be comparing two popular funds - Axis Liquid Fund and SBI Midcap Fund - to help you decide which one is best for your investment goals. We'll dive into their categories, returns, risk profiles, and more to give you a comprehensive understanding of these funds.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Mid Cap |
| NAV (₹) | 3096.85 | 264.93 |
| AUM (₹ Cr) | 5.16 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.11% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.71 |
| Sharpe Ratio | 4.36 | 0.61 |
| 1 Year Return (%) | 6.25% | 1.71% |
| 3 Year Return (%) | 6.98% | 15.45% |
| 5 Year Return (%) | 6.17% | 16.58% |
| Since Launch (%) | 6.86% | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| 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: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 207% | 33% |
🤖 AI Verdict – Which is Better?
Based on our analysis, we believe Axis Liquid Fund is a better option for long-term wealth creation. Its 3-year return of 6.98% is significantly higher than SBI Midcap Fund's 15.45%. Additionally, its expense ratio of 0.11% is much lower than SBI Midcap Fund's 1.62%. While SBI Midcap Fund has a higher return in the short term, its risk profile is much higher, making it less suitable for long-term investments.
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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
For a monthly SIP of 10+ years, we recommend Axis Liquid Fund. Its consistent returns and lower volatility make it an attractive option for long-term investors. SBI Midcap Fund's higher returns in the short term may be appealing, but its high risk profile and volatility make it less suitable for SIP investments.
⚠️ Risk & Cost Analysis
Axis Liquid Fund offers better risk-adjusted returns compared to SBI Midcap Fund. Its Sharpe ratio of 4.36 is significantly higher than SBI Midcap Fund's 0.61, indicating lower risk for the same return. Additionally, its expense ratio of 0.11% is much lower than SBI Midcap Fund's 1.62%. Overall, Axis Liquid Fund is a safer and more cost-effective option.
📊 Portfolio Diversification
Axis Liquid Fund has a more diversified portfolio compared to SBI Midcap Fund. Its asset allocation includes a mix of cash, debt, and money market instruments, reducing its reliance on any one sector. SBI Midcap Fund, on the other hand, has a higher concentration in the equity market, making it more susceptible to sector risks.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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, Axis Liquid Fund gives better returns in the long run, with a 5-year return of 6.17% and a 3-year return of 6.98%.
Q2: Is the higher risk fund worth it?
Haan, if you're willing to take on high risk, SBI Midcap Fund may be worth it. However, its volatility is much higher than Axis Liquid Fund, which may not be suitable for all investors.
Q3: Which fund is more cost-effective?
Axis Liquid Fund is more cost-effective, with an expense ratio of 0.11% compared to SBI Midcap Fund's 1.62%.
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