Groww Mutual Fund Liquid Fund vs Tata 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%
Today, hum aapko Groww Mutual Fund Liquid Fund aur Tata Mutual Fund Liquid Fund ke beech ka ek samanvay shamil karne ke liye hain. Ye donon fund liquid fund category mein aate hain, jahan aapko aam taur par 1-3 varsh ke liye investment karne ke liye suggest kiya jata hai. Is post mein, hum aapko fund B aur Fund A ke beech ka comparison karte hain.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | Tata Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.50 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 | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, humko 3Y return, expense ratio aur risk ke hisab se fund B ko better fund kiya jaa raha hai. Ismein Fund B ke 3Y return 6.93% hai, jo Fund A ke 6.93% se bhi niyamit hai. Expense ratio ke hisab se bhi Fund B kam kharcha rakh raha hai. Lekin, hum chahte hain ki aap apne investment ke liye apne vishayshil swarup ke anusar fund ka chayan karein.
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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Monthly SIP ke liye 10+ varsh ke liye, humko aisa lagta hai ki Fund A better fund hai. Ismein Fund A ka 3Y return Fund B ke 3Y return se kam niyamit hai, lekin expense ratio kam hai. Isse Fund A ki consistency aur return stability better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisab se, humko lagta hai ki Fund A better risk-adjusted returns offer karta hai. Fund A ka riskometer Low hai, jo Fund B ke riskometer se kam hai. Lekin, Fund B ka Sharpe ratio Fund A ke Sharpe ratio se kam hai. Isse Fund A ka risk-adjusted return better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se, humko lagta hai ki Fund A better diversified portfolio offer karta hai. Ismein Fund A ka asset allocation Fund B ke asset allocation se kam nirdharit nahin hota hai. Lekin, Fund A ka top holdings concentration Fund B ke top holdings concentration se kam nirdharit hai. Isse Fund A ka sector risk kam hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Tata 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?
5Y return ke hisab se, Fund A ka 5Y return 6.11% hai, jo Fund B ke 5Y return 6.11% se niyamit hai. Lekin, 3Y return ke hisab se, Fund B ka 3Y return Fund A ke 3Y return se kam niyamit hai. Ismein Fund B better fund hai.
Q2: Is the higher risk fund worth it?
Volatility ke hisab se, Fund B ka volatility Fund A ke volatility se kam hai. Lekin, Sharpe ratio ke hisab se, Fund A ka Sharpe ratio Fund B ke Sharpe ratio se kam hai. Ismein Fund A ka sharpe ratio better hai, isliye Fund A better fund hai.
Q3: Which fund is more cost‑effective?
Expense ratio ke hisab se, donon fund ek jaisa kharcha rakh rahe hain. Lekin, Fund A ka expense ratio Fund B ke expense ratio se kam hai. Ismein Fund A better fund 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