Groww Mutual Fund Liquid Fund vs Navi 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%
Chaliye, dekho, humein do liquid funds ki tarah se parichit karte hain - Groww Mutual Fund Liquid Fund aur Navi Mutual Fund Liquid Fund. Dono funds ka category Liquid Fund hai. Is article mein, hum fund ki comparison karenge aur pata chalenge ki kis fund se aapko aage nikalne ke liye kya fayda hoga.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Navi Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 3.91 | 3.31 |
| 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 | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, humein fund ki comparison karni hai. Dekhna yeh hai ki 3 saal mein dono funds ki return kya thi. Groww Mutual Fund Liquid Fund ka 3Y return 6.93% hai, jabki Navi Mutual Fund Liquid Fund ka 3Y return bhi 6.93% hai. Lekin expense ratio ka baap, Groww Mutual Fund Liquid Fund ki expense ratio 0.12% hai, jabki Navi Mutual Fund Liquid Fund ki expense ratio bhi 0.12% hai. Riskometer ke hisaab se, dono funds low risk hain. Isliye, hum kahenge ki Groww Mutual Fund Liquid Fund aur Navi Mutual Fund Liquid Fund dono equal hain, lekin Groww Mutual Fund Liquid Fund ki expense ratio ka fayda 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ki tarah se investment karna ek accha tareeka hai. Lekin yeh decide karna aata hai ki kis fund se aapko aage nikalne ke liye kya fayda hoga. Dekhna yeh hai ki dono funds ki consistency kya hai. Groww Mutual Fund Liquid Fund ka 1Y return 6.17% hai, jabki Navi Mutual Fund Liquid Fund ka 1Y return bhi 6.17% hai. Isliye, hum kahenge ki Groww Mutual Fund Liquid Fund aur Navi Mutual Fund Liquid Fund dono equal hain, lekin Navi Mutual Fund Liquid Fund ki volatility ka hisaab karein, toh yeh fund thoda high risk hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisaab se hum soch sakte hain ki kis fund se aapko aage nikalne ke liye kya fayda hoga. Groww Mutual Fund Liquid Fund ka riskometer low hai, jabki Navi Mutual Fund Liquid Fund ka riskometer bhi low hai. Volatility ke hisaab se, Navi Mutual Fund Liquid Fund thoda high risk hai. Sharpe ratio ke hisaab se, Groww Mutual Fund Liquid Fund ka Sharpe ratio 3.91 hai, jabki Navi Mutual Fund Liquid Fund ka Sharpe ratio 3.31 hai. Isliye, hum kahenge ki Groww Mutual Fund Liquid Fund ka risk-adjusted return better hai.
📊 Portfolio Diversification
Fund ki asset allocation aur top holdings concentration ko dekhkar hum pata chalein ki kis fund se aapko aage nikalne ke liye kya fayda hoga. Groww Mutual Fund Liquid Fund ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00% aur Cash 5.00% hai. Navi Mutual Fund Liquid Fund ka asset allocation bhi T-Bills 65.00%, CD 20.00%, CP 10.00% aur Cash 5.00% hai. Lekin top holdings concentration ke hisaab se, Groww Mutual Fund Liquid Fund ka State Bank of India CD 8.5% hai, jabki Navi Mutual Fund Liquid Fund ka State Bank of India CD bhi 8.5% hai. Isliye, hum kahenge ki Groww Mutual Fund Liquid Fund ka asset allocation aur top holdings concentration dono equal hain.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Navi 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, 5Y aur 3Y returns ke hisaab se, dono funds ka return equal hai, lekin expense ratio ke hisaab se, Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jabki Navi Mutual Fund Liquid Fund ka expense ratio bhi 0.12% hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke hisaab se, Navi Mutual Fund Liquid Fund ka higher risk hai, lekin risk-adjusted return ke hisaab se, Groww Mutual Fund Liquid Fund ka risk-adjusted return better hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se, dono funds ka expense ratio equal hai, lekin Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jabki Navi Mutual Fund Liquid Fund ka expense ratio bhi 0.12% 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