Groww Mutual Fund Liquid Fund vs PPFAS 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%
Dekho, ab aapke paas do liquid funds hain jo aapke paas apne paiso ka niveshan karne ke liye upyukt hain. Ye dono funds Groww aur PPFAS Mutual Fund hai. Hum aaj in dono funds ke beech ka comparison karenge aur aapko batayenge ki kis fund mein aapke paiso ki suraksha aur vrikaaran ke liye apna paisa niveshan karne ke liye kya vikalp hai.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.41 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 | Rajeev Thakkar (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% | 249% |
🤖 AI Verdict – Which is Better?
Haan, yeh fund dono aapke liye upyukt hain lekin jab aap unke 3-saal aay ke liye dekhte hain, to Fund A ka 3-saal aay 6.93% hai jo Fund B se 0.26% adhik hai. Lekin expense ratio ke liye, dono funds ek jaisa hai. Riskometer ke liye bhi dono funds ek jaisa hai. Haan, in sabhi factors ke baad, hum aapko Fund A ko aapke liye upyukt fund ke roop mein sunaana chahenge.
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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye, hum aapko batayenge ki SIP ke liye kis fund aapke liye upyukt hai. Fund A ki 1-saal aay 6.17% hai jo Fund B se 0% adhik hai. Fund B ki 3-saal aay 6.93% hai jo Fund A se 0.26% adhik hai. Lekin expense ratio ke liye, dono funds ek jaisa hai. Jab aap SIP ke liye fund chunege, to aapko Fund A ka 3-saal aay aapko adhik vrikaaran ka vishwas deta hai.
⚠️ Risk & Cost Analysis
Sach ye hai, dono funds ek jaisa riskometer ke liye hai. Lekin volatility ke liye, Fund A ki volatility 0.11 hai jo Fund B se 0.01 adhik hai. Sharpe ratio ke liye, Fund A ka Sharpe ratio 3.91 hai jo Fund B se 0.33 adhik hai. Expense ratio ke liye, dono funds ek jaisa hai. Jab aap risk-adjusted returns ke liye fund chunege, to aapko Fund A ka Sharpe ratio aapko adhik vrikaaran ka vishwas deta hai.
📊 Portfolio Diversification
Asset allocation ke liye, dono funds ek jaisa hai. T-Bills, CD, CP, aur cash ke liye, dono funds 65%, 20%, 10%, aur 5% allocation karate hain. Top holdings ke liye, dono funds State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills ke liye 8.5%, 7.2%, aur 6.8% allocation karate hain. Dono funds mein sector risk hai, lekin Fund A ka asset allocation aapko adhik vrikaaran ka vishwas deta hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
PPFAS 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?
Haan, Fund A ka 5-saal aay 6.11% hai jo Fund B ke 5-saal aay 6.11% se adhik nahi hai, lekin Fund A ka 3-saal aay 6.93% hai jo Fund B se 0.26% adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki 5-saal aay 6.11% hai aur Fund B ki 5-saal aay 6.11% hai, lekin Fund A ki volatility 0.11 hai jo Fund B ki volatility 0.12 se kam hai. Sharpe ratio ke liye, Fund A ka Sharpe ratio 3.91 hai jo Fund B se 0.33 adhik hai.
Q3: Which fund is more cost-effective?
Haan, dono funds expense ratio 0.12% hai, lekin Fund A ka expense ratio Fund B ke expense ratio se adhik nahi hai. Dono funds mein exit load N/A 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