Groww Mutual Fund Liquid Fund vs Bandhan Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.98%
Agar aapke paas kuch paisa hai to aap investment ke liye kya chun sakte hain? Aaj hum do mutual funds ki comparison karne ja rahe hain - Groww Mutual Fund Liquid Fund aur Bandhan Mutual Fund Liquid Fund. Dekho hum aapko bataenge ki unmein se kaun sa fund aapke long-term wealth creation ke liye acha hai.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 39.33 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3.91 | 4 |
| 1 Year Return (%) | 6.17% | 1.41% |
| 3 Year Return (%) | 6.93% | 6.98% |
| 5 Year Return (%) | 6.11% | 5.96% |
| Since Launch (%) | 50.63% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Manish Gunwani (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 203% | 251% |
🤖 AI Verdict – Which is Better?
Haan, hum bata sakte hain ki Bandhan Mutual Fund Liquid Fund aapke liye better fund hai. Iska reason hai ki 3Y return mein yeh fund Groww Mutual Fund Liquid Fund ko hara gaya hai. Lekin expense ratio mein koi farak nahi hai. Lekin agar aap long-term wealth creation chahte hain to Bandhan Mutual Fund Liquid Fund aapke liye acha hai.
Why consider Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
Why consider Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund ka consistency aur return stability chahiye. Dekho Groww Mutual Fund Liquid Fund ne 3Y mein 6.98% return diya hai, jabki Bandhan Mutual Fund Liquid Fund ne 6.93% return diya hai. Lekin agar aap 10+ saal ke liye SIP karenge to Groww Mutual Fund Liquid Fund aapke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, Expense ratio sabhi important hai. Dekho Groww Mutual Fund Liquid Fund ke sharpe ratio 3.91 hai, jabki Bandhan Mutual Fund Liquid Fund ke sharpe ratio 4 hai. Lekin expense ratio mein koi farak nahi hai. Isliye, Bandhan Mutual Fund Liquid Fund aapke liye better fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration dono chahiye. Dekho Groww Mutual Fund Liquid Fund ne asset allocation mein 65% T-Bills, 20% CD, 10% CP aur 5% cash diya hai. Jabki Bandhan Mutual Fund Liquid Fund ne bhi aisa hi diya hai. Isliye, both fund mein portfolio diversification thik hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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 ki Bandhan Mutual Fund Liquid Fund ne 5Y mein 5.96% return diya hai, jabki Groww Mutual Fund Liquid Fund ne 6.11% return diya hai. Isliye, Groww Mutual Fund Liquid Fund aapke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Bandhan Mutual Fund Liquid Fund ka volatility 0.12 hai, jabki Groww Mutual Fund Liquid Fund ka volatility 0.11 hai. Isliye, Bandhan Mutual Fund Liquid Fund aapke liye better fund hai.
Q3: Which fund is more cost-effective?
Haan, expense ratio mein koi farak nahi hai. Isliye, dono fund cost-effective hain.
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