Old Bridge Mutual Fund Liquid Fund vs JM Financial Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
14.7%
Aaj hum do mutual funds ke beech ka sanvaad karne ja rahe hain, Old Bridge Mutual Fund Liquid Fund aur JM Financial Large Cap Fund, jo ki kisi bhi investor ke liye achchhi investment option ho sakti hai. Yeh report humein dikhayega ki in dono fundon mein se kisne aur acha return diya hai, koi hai jo sabse adhik risk-pradarshak hai, aur koi hai jo adhik majboot portfolio hai.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | JM Financial |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 5622.79 | 497.22 |
| AUM (₹ Cr) | 4.73 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.25 |
| Sharpe Ratio | 3.58 | 0.67 |
| 1 Year Return (%) | 6.17% | -4.02% |
| 3 Year Return (%) | 6.93% | 14.7% |
| 5 Year Return (%) | 6.11% | 12.03% |
| Since Launch (%) | 50.63% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Asit Bhandarkar (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 | 239% | 26% |
🤖 AI Verdict – Which is Better?
Yeh baat hai ki humein 3Y return, kharcha ratio, aur risk ke aadhaar par fund ke beech se ek chunauti karni hogi. Dekho, Fund A ki 3Y return 6.93% hai, jo ki bahut hi achchhi hai, lekin expense ratio bhi 0.12% hai, jo thoda high hai. Jabki, Fund B ki 3Y return 14.7% hai, lekin riskometer bhi very high hai. Haan, ismein koi sach hai, Fund B adhik risk-pradarshak hai, lekin yeh bhi sach hai ki yeh fund long term mein adhik return de sakta hai. Lekin, hamare hisaab se, Fund A adhik sahi chunauti hai kyonki yeh risk se bachta hai aur expense ratio bhi kam hai.
Why consider Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
Why consider JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
Ek SIP ke liye, humein 10+ saal tak investment karni hogi. Dekho, Fund A ki 1Y return 6.17% hai, jo ki bahut hi achchhi hai, aur expense ratio bhi kam hai. Jabki, Fund B ki 1Y return -4.02% hai, jo ki bahut hi poori hai, aur expense ratio bhi high hai. Isliye, hum kahenge ki Fund A SIP ke liye adhik suitable hai.
⚠️ Risk & Cost Analysis
Yeh baat hai ki humein riskometer, volatility, Sharpe ratio, aur expense ratio ke aadhaar par fund ke beech se ek chunauti karni hogi. Dekho, Fund A ki riskometer Low hai, jo ki bahut hi achchhi hai, aur volatility bhi kam hai. Jabki, Fund B ki riskometer very high hai, jo ki bahut hi risk-pradarshak hai, aur volatility bhi adhik hai. Isliye, hum kahenge ki Fund A risk-seekar investors ke liye adhik suitable hai, aur Fund B high-risk investors ke liye adhik suitable hai.
📊 Portfolio Diversification
Yeh baat hai ki humein asset allocation aur top holdings concentration ke aadhaar par fund ke beech se ek chunauti karni hogi. Dekho, Fund A ki asset allocation T-Bills, CD, CP, aur cash mein hai, jo ki bahut hi diversified hai. Jabki, Fund B ki asset allocation equity mein 96% hai, jo ki bahut hi high hai. Isliye, hum kahenge ki Fund A adhik diversified portfolio hai.
Q1: Which fund gives better returns in the long run?
Sach ye hai ki Fund B ki 5Y return 12.03% hai, jo ki Fund A ki 5Y return 6.11% se adhik hai. Isliye, Fund B long term mein adhik return de sakta hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund B ki volatility 12.25 hai, jo ki Fund A ki volatility 0.12 se adhik hai. Isliye, Fund B high-risk hai aur adhik volatility se pehle ek chunauti ke aadhaar par chunauti karni hogi.
Q3: Which fund is more cost‑effective?
Sach ye hai ki Fund A ki expense ratio 0.12% hai, jo ki Fund B ki expense ratio 0.52% se kam hai. Isliye, Fund A adhik cost-effective hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial Large Cap Fund
₹1367804.07
@14.7% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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