Axis Liquid Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
13.45%
Ye do dono funds, Axis Liquid Fund aur SBI Small Cap Fund, kisi aur category mein nahin hain. Fund A ek Liquid fund hai, jo low-risk aur stable returns ki promise karta hai. Fund B ek Small Cap fund hai, jo high-risk aur high-return ki promise karta hai. Aaj hum do funds ke beech ka comparison karenge aur dekhein kis fund ki long-term wealth creation mein badi ummeed hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 3096.85 | 192.12 |
| AUM (₹ Cr) | 5.16 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 17.83 |
| Sharpe Ratio | 4.36 | 0.39 |
| 1 Year Return (%) | 6.25% | 0.06% |
| 3 Year Return (%) | 6.98% | 13.45% |
| 5 Year Return (%) | 6.17% | 14.57% |
| Since Launch (%) | 6.86% | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | R. Srinivasan (10.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| 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: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 207% | 23% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye hum Fund B, SBI Small Cap Fund ko preferred karenge. Iska karan hai 3Y return, jo 13.45% hai, jiska no Fund A ka 3Y return, jo 6.98% hai, se bahut bada hai. Chaliye dekhte hain expense ratio bhi. Fund B ka expense ratio 0.82% hai, jo Fund A ka expense ratio 0.11% se bahut bada hai. Riskometer bhi ek factor hai, aur Fund B ka riskometer Very High hai, jo Fund A ka riskometer Low hai se bahut bada hai. Haan, to hum fund B ko better fund maante hain.
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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
SIP ke liye hum Fund A ko preferred karenge. Iska karan hai consistency aur return stability. Fund A ka 1Y return 6.25% hai, jiska no Fund B ka 1Y return 0.06% hai se bahut bada hai. Chaliye dekhte hain 3Y return bhi. Fund A ka 3Y return 6.98% hai, jiska no Fund B ka 3Y return 13.45% hai se bahut bada hai. To SIP ke liye hum Fund A ko better fund maante hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye hum Fund A ko preferred karenge. Fund A ka riskometer Low hai, jo Fund B ka riskometer Very High hai se bahut chota hai. Volatility bhi ek factor hai, aur Fund A ka volatility 0.11 hai, jiska no Fund B ka volatility 17.83 hai se bahut chota hai. Sharpe ratio bhi ek factor hai, aur Fund A ka Sharpe ratio 4.36 hai, jiska no Fund B ka Sharpe ratio 0.39 hai. Expense ratio bhi ek factor hai, aur Fund A ka expense ratio 0.11% hai, jo Fund B ka expense ratio 0.82% se bahut chota hai. To risk-adjusted returns ke liye hum Fund A ko better fund maante hain.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum Fund B ko preferred karenge. Fund B ka equity allocation 91% hai, jo Fund A ka equity allocation 0% hai se bahut bada hai. Top holdings concentration bhi ek factor hai, aur Fund B ka top holdings concentration 7.9% hai, jo Fund A ka top holdings concentration 9.75% hai se bahut chota hai. To diversified portfolio ke liye hum Fund B ko better fund maante hain.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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?
Long-run returns ke liye Fund B, SBI Small Cap Fund, better hai. Iska karan hai 5Y return, jo 14.57% hai, jo Fund A ka 5Y return 6.17% se bahut bada hai.
Q2: Is the higher risk fund worth it?
Higher risk fund ke liye hum Fund B ko preferred karenge. Iska karan hai volatility, jo Fund A ka 0.11 hai se bahut chota hai, aur Sharpe ratio, jo Fund A ka 4.36 hai se bahut bada hai.
Q3: Which fund is more cost‑effective?
Cost-effective fund ke liye hum Fund A ko preferred karenge. Iska karan hai expense ratio, jo Fund A ka 0.11% hai, jo Fund B ka expense ratio 0.82% se bahut chota 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