Groww Mutual Fund Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
12.82%
Haan, aap logon ke liye ek aur comparison hai, yeh Fund A aur Fund B ka. Fund A Groww Mutual Fund Liquid Fund - Direct Plan - Growth hai, aur Fund B Kotak Mahindra Large Cap Fund - Direct Plan - Growth hai. Dekho, aap logon ke paas ek mahatvapurn decision hai, aur main aapko batayunga ki kis fund me investment karna achha hai.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Kotak Mahindra |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 5622.79 | 635.60 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.32 |
| Sharpe Ratio | 3.91 | 0.56 |
| 1 Year Return (%) | 6.17% | -2.46% |
| 3 Year Return (%) | 6.93% | 12.82% |
| 5 Year Return (%) | 6.11% | 12.2% |
| Since Launch (%) | 50.63% | 13.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Harsha Upadhyaya (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 203% | 16% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ek high-risk fund hai, lekin iski 3Y return 12.82% hai, jo Fund A se bahut jyada hai. Lekin expense ratio Fund B ka 1.36% hai, jo Fund A se bahut jyada hai. Chaliye, long-term wealth creation ke liye, main Fund B ko better fund manaunga.
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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
Haan, SIP ke liye kis fund ki suitability hai? Dekho, Fund B ki 3Y return 12.82% hai, jo Fund A se bahut jyada hai. Lekin Fund B ka volatility 11.32 hai, jo Fund A se bahut jyada hai. Chaliye, SIP ke liye Fund A ki consistency aur return stability kaafi hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A ki riskometer low hai, aur expense ratio 0.12% hai. Fund B ki riskometer very high hai, aur expense ratio 1.36% hai. Lekin Fund B ka Sharpe ratio 0.56 hai, jo Fund A se kam hai. Dekho, risk-adjusted returns ke liye Fund A ka expense ratio aur Sharpe ratio kaafi accha hai.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ko dekho. Fund A ki asset allocation T-Bills, CD, CP aur cash mein 65%, 20%, 10%, aur 5% hai. Fund B ki asset allocation equity aur T-Bills mein 96% aur 4% hai. Dekho, Fund A ka asset allocation kaafi diversified hai, lekin Fund B ka asset allocation sector risk kaafi hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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, Fund A ki 5Y return 6.11% hai, lekin Fund B ki 5Y return 12.2% hai, jo Fund A se bahut jyada hai. Lekin Fund B ka expense ratio Fund A se bahut jyada hai. Sach ye hai, Fund B ka 5Y return Fund A ka 5Y return ko chhodkar bahut jyada hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund B ka volatility 11.32 hai, jo Fund A ka volatility se bahut jyada hai. Lekin Fund B ka Sharpe ratio 0.56 hai, jo Fund A ka Sharpe ratio se kam hai. Dekho, Fund B ka higher risk aur lower Sharpe ratio kaafi hai.
Q3: Which fund is more cost-effective?
Haan, expense ratio ke liye Fund A ka 0.12% kaafi kam hai. Lekin Fund B ka expense ratio Fund A ka expense ratio se bahut jyada hai. Sach ye hai, Fund A more cost-effective 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