Groww Mutual Fund Liquid Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.92%
Dekho, investors! Aaj humein do liquid funds ke beech mein comparison karna hai. Groww Mutual Fund aur Baroda BNP Paribas ke liquid funds mein kya faayda hai, yeh pata karna hai? Chaliye, ek janch karenge aur dekhein ki kis fund mein long-term wealth creation ke liye better option hai.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Baroda BNP Paribas |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 3208.35 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3.91 | 3.82 |
| 1 Year Return (%) | 6.17% | 6.16% |
| 3 Year Return (%) | 6.93% | 6.92% |
| 5 Year Return (%) | 6.11% | 6.14% |
| Since Launch (%) | 50.63% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye 3Y return, expense ratio aur risk ka avashyak hai. Dekho, Fund A ka 3Y return 6.93% hai, jo Fund B se zyada hai. Lekin expense ratio bhi kam hai, 0.12% versus 0.12%. Haan, Fund A ka riskometer bhi low hai. Isliye, Fund A our verdict hai, jise long-term wealth creation ke liye better option mana ja sakta 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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Ek monthly SIP ke liye, consistency aur return stability ka avashyak hai. Dekho, Fund A ka 1Y return 6.17% hai, jo Fund B se behtar hai. Lekin 3Y return mein Fund B ka return Fund A se kuchh kam hai. Haan, Fund A ka expense ratio bhi kam hai. Isliye, Fund A SIP ke liye better option hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karna hai. Dekho, donon funds ka riskometer low hai. Lekin volatility mein Fund A kam hai, 0.11 versus 0.11. Haan, Sharpe ratio mein Fund A kam hai, 3.91 versus 3.82. Isliye, Fund A risk-adjusted returns ke liye better option hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karna hai. Dekho, donon funds ka asset allocation 65% T-Bills, 20% CD, 10% CP aur 5% cash hai. Lekin top holdings mein State Bank of India CD 8.5% hai, jo HDFC Bank CD 7.2% hai. Haan, Fund A mein Reliance Industries T-Bills 6.8% hai. Isliye, Fund A portfolio mein sector risk hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@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?
Long-run mein Fund A 5Y return 6.11% aur 3Y return 6.93% hai, jis ka 5Y return Fund B 6.14% aur 3Y return 6.92% hai. Haan, Fund A ka 3Y return Fund B se behtar hai. Isliye, Fund A long-run mein better option hai.
Q2: Is the higher risk fund worth it?
Volatility mein Fund A 0.11 hai, jo Fund B 0.11 hai. Haan, Sharpe ratio mein Fund A 3.91 hai, jo Fund B 3.82 hai. Isliye, Fund A mein risk-adjusted returns better hain.
Q3: Which fund is more cost-effective?
Expense ratio mein donon funds 0.12% hai. Haan, exit load ki koi jaankari nahi di gayi hai. Isliye, donon funds 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