Axis Liquid Fund vs UTI Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
6.93%
Aaj hum do liquid funds ka mukyaabla karenge - Axis Liquid Fund Direct Plan aur UTI Mutual Fund Liquid Fund Direct Plan. ye donon fund liquid category mein aate hain, jahaan par investoron ko short-term investment options milte hain. Is article mein, hum dono fundon ki comparison karenge aur dekhenge ki kis fund mein invest karna achha hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | UTI Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 5622.79 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 4.36 | 3.91 |
| 1 Year Return (%) | 6.25% | 6.17% |
| 3 Year Return (%) | 6.98% | 6.93% |
| 5 Year Return (%) | 6.17% | 6.11% |
| Since Launch (%) | 6.86% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 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 Liquid Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 207% | 233% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum 3Y return, expense ratio aur risk par focus karenge. dekho, Axis Liquid Fund ke 3Y return 6.98% hain, jo ki UTI Mutual Fund Liquid Fund ke 6.93% se zyada hai. Lekin, expense ratio ke hisab se, UTI Mutual Fund Liquid Fund zyada cost-effective hai. haan, UTI Mutual Fund Liquid Fund ki riskometer bhi low hai, jisse isko risk se bachne ke liye bahut achha fund mana ja sakta 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Monthly SIP ke liye 10+ years ke liye, hum consistency aur return stability par focus karenge. chaliye, Axis Liquid Fund ki SIP return stability kam hai, lekin UTI Mutual Fund Liquid Fund ki SIP return stability zyada hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisab se hum risk-adjusted return compare karenge. dekho, UTI Mutual Fund Liquid Fund ki riskometer low hai, jisse isko risk se bachne ke liye bahut achha fund mana ja sakta hai. lekin, Axis Liquid Fund ki Sharpe ratio zyada hai, jisse iska return vishesh roop se high hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se hum portfolio diversification compare karenge. dekho, Axis Liquid Fund ki asset allocation complex hai, jisse iska risk sector-wise zyada hai. lekin, UTI Mutual Fund Liquid Fund ki asset allocation simple hai, jisse iska risk sector-wise kam hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
UTI Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Axis Liquid Fund ke 5Y return 6.17% hai, jisse isko long run mein better returns dene ke liye fund mana ja sakta hai.
Q2: Is the higher risk fund worth it?
Haan, Axis Liquid Fund ki volatility zyada hai, lekin iska Sharpe ratio zyada hai, jisse iska return vishesh roop se high hai. lekin, UTI Mutual Fund Liquid Fund ki riskometer low hai, jisse isko risk se bachne ke liye bahut achha fund mana ja sakta hai.
Q3: Which fund is more cost-effective?
UTI Mutual Fund Liquid Fund ki expense ratio 0.12% hai, jisse isko cost-effective fund mana ja sakta 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