Groww Mutual Fund Liquid Fund vs LIC 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
6.93%
Ek baar phir hum dekhte hain do liquid funds ke beech kya farq hai. Fund A aur Fund B dono hi liquid funds hain lekin kuch pehlu me alag hain. Aaj hum fund A aur fund B ke beech comparison karenge aur dekhege kis fund mein investment karna achha hoga.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | LIC Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3.91 | 3.58 |
| 1 Year Return (%) | 6.17% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 50.63% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Long term ke liye humein 3Y return, expense ratio aur risk ka dhyan rakhna chahiye. Fund A ka 3Y return 6.93% hai aur expense ratio 0.12% hai, jo Fund B ke liye 6.93% aur 0.12% hai. Riskometer me dono fund low risk hai lekin sharpe ratio me Fund A ki jagah hai. To, long term ke liye Fund A accha lagta 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Monthly SIP ke liye hamari chunav hai Fund A ya Fund B. Consistency aur return stability ke liye hum fund A ko accha lagta hai kyonki uska 3Y return aur 5Y return bahut hi accha hai. Isse humein aasaani se long term ke liye investment karna hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility, sharpe ratio aur expense ratio ka comparison karte hain. Fund A ki volatility 0.11 hai aur sharpe ratio 3.91 hai, jo Fund B ke liye 0.12 aur 3.58 hai. Expense ratio me dono fund equal hai. Isliye, risk-adjusted return ke liye Fund A accha lagta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte hain. Dono fund ki asset allocation T-Bills, CD, CP aur cash ke liye equal hai. Lekin top holdings concentration me Fund A ki State Bank of India CD aur HDFC Bank CD ki jagah hai, jo Fund B ke liye hain. Isse Fund A ki portfolio diversified hai aur sector risk kam hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
LIC 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?
sach ye hai ki Fund A ka 5Y return aur 3Y return dono hi Fund B se accha hai. Isse samjh jata hai ki Fund A long run mein accha fund hai.
Q2: Is the higher risk fund worth it?
Volatility aur sharpe ratio ke liye Fund A accha lagta hai. Isse samjh jata hai ki Fund A ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye dono fund equal hai. To, isme koi cost-effective fund nahi 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