Groww Mutual Fund Liquid Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.97%
Aaj hum do liquid funds ke beech ki tulna karne ja rahe hain, jo ki Groww Mutual Fund aur JM Financial Liquid Fund hain. Ye duniya ka sabse achcha investment vikalp hai, lekin kuch baatein zaroori hai dekhi jaayein.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | JM Financial |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 363.19 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3.91 | 3.92 |
| 1 Year Return (%) | 6.17% | 6.21% |
| 3 Year Return (%) | 6.93% | 6.97% |
| 5 Year Return (%) | 6.11% | 6.16% |
| Since Launch (%) | 50.63% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, 3Y return, expense ratio, aur risk ko dekhkar, hum kahaenge ki Fund A (Groww Mutual Fund) better hai. Yahaan aapko 3Y return 6.93% aur expense ratio 0.12% milta hai, jisse investment ki jaanib se aapko faayda hota 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Aap 10+ saal ke liye monthly SIP ke liye kis fund ka chunav karein? Fund A aur Fund B dono hi consistent return dete hain lekin Fund A ka 3Y return thoda zyada hai, jisse iska return stability aapke liye achcha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko dekhkar, hum kahaenge ki Fund A aapke liye better hai. Yahaan aapko Fund A ka Sharpe ratio 3.91 aur expense ratio 0.12% milta hai, jisse aapko risk-adjusted returns milta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko dekhkar, ham kahaenge ki Fund A aur Fund B dono hi asset allocation mein similar hain, lekin Fund A ka top holdings concentration thoda kam hai. Isliye, Fund A ka portfolio aapke liye better hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@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?
Long-term mein Fund B ka 5Y return 6.16% aur Fund A ka 5Y return 6.11% hai, lekin Fund B ka 3Y return 6.97% aur Fund A ka 3Y return 6.93% hai. Isliye, Fund B long-term mein aapke liye better hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ko dekhkar, hum kahaenge ki Fund B ka volatility 0.12 aur Fund A ka volatility 0.11 hai, lekin Fund A ka Sharpe ratio 3.91 aur Fund B ka Sharpe ratio 3.92 hai. Isliye, Fund A aapke liye better hai.
Q3: Which fund is more cost‑effective?
Expense ratio ko dekhkar, hum kahaenge ki dono funds ka expense ratio 0.12% hai, isliye dono funds aapke liye 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