Axis Liquid Fund vs UTI 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%
Today, we're comparing two funds from different categories, Axis Liquid Fund and UTI Mutual Fund Large Cap Fund. Dekho, if you're looking to invest in liquid or large-cap funds, this comparison will help you decide which one suits your goals. We'll discuss their performance, risk, and cost to make an informed decision.
[VERDICT]| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | UTI Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 3096.85 | 497.22 |
| AUM (₹ Cr) | 5.16 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.79 |
| Sharpe Ratio | 4.36 | 0.7 |
| 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) | V. Srivatsa (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% | 21% |
🤖 AI Verdict – Which is Better?
Chaliye, let's look at the 3-year return, expense ratio, and riskometer. Fund A, Axis Liquid Fund, has a 3-year return of 6.98%, an expense ratio of 0.11%, and a Low riskometer. Fund B, UTI Mutual Fund Large Cap Fund, has a 3-year return of 14.7%, an expense ratio of 0.52%, and a Very High riskometer. Sach ye hai, for long-term wealth creation, Fund A is a better option due to its stable returns and lower risk.
[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 UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
Haan, if you're planning to invest through SIP for 10+ years, Fund A is a better choice. Its 1-year return is 6.25%, and its 3-year return is 6.98%, which shows consistency in returns. Lekin, Fund B's 1-year return is -4.02%, which is not suitable for long-term SIP investments.
[RISK_COST]⚠️ Risk & Cost Analysis
dekho, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A has a Low riskometer, a volatility of 0.11, a Sharpe ratio of 4.36, and an expense ratio of 0.11%. Fund B has a Very High riskometer, a volatility of 11.79, a Sharpe ratio of 0.7, and an expense ratio of 0.52%. Fund A offers better risk-adjusted returns due to its low risk and high Sharpe ratio.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Chaliye, let's compare the asset allocation of both funds. Fund A has a diversified portfolio with 53.47% in CP, 31.44% in CD, and 11.86% in T-Bills. Fund B has a concentrated portfolio with 96% in Equity and 4% in T-Bills. Sach ye hai, Fund A is more diversified and has sector risk due to its investment in various debt instruments.
[FAQ]SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
UTI 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?
Haan, according to the 5-year return, Fund A Axis Liquid Fund gives better returns in the long run with a return of 6.17%.
Q2: Is the higher risk fund worth it?
Lekin, no, the higher risk fund UTI Mutual Fund Large Cap Fund is not worth it due to its high volatility of 11.79 and low Sharpe ratio of 0.7.
Q3: Which fund is more cost-effective?
Haan, Fund A Axis Liquid Fund is more cost-effective with an expense ratio of 0.11% compared to Fund B UTI Mutual Fund Large Cap Fund with an expense ratio of 0.52%.
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