Old Bridge Mutual Fund Liquid Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.97%
Hum aajke main Fund A aur Fund B ke beech ki taareekh ki koshish karenge. Fund A Old Bridge Mutual Fund Liquid Fund hai aur Fund B JM Financial Liquid Fund. Dono funds ek hi category mein aate hain, lekin kya dono mein se ek aur bhi accha hai? Aaj hum dekhenge ki kis fund mein long-term wealth creation ke liye sabse accha hai.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | JM Financial |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 363.19 |
| AUM (₹ Cr) | 4.73 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 3.92 |
| 1 Year Return (%) | 6.17% | 6.21% |
| 3 Year Return (%) | 6.93% | 6.97% |
| 5 Year Return (%) | 6.11% | 6.16% |
| Since Launch (%) | 50.63% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Asit Bhandarkar (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 | 239% | 259% |
🤖 AI Verdict – Which is Better?
Haan, humne dekh liya hai ki dono funds ek hi category mein aate hain aur humein long-term wealth creation ke liye sabse accha fund chunna hai. Iske liye hum 3Y return, expense ratio, aur riskometer ka hisab lagaenge. Fund B 3Y return mein thoda zyada accha hai, lekin expense ratio bhi banta hai. Lekin, Fund B ka Sharpe ratio bhi zyada accha hai, jo uski risk-adjusted return ko dikhata hai. To, humke paas Fund B hi accha lagta 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Hum aajke main SIP ke liye dono funds ka comparison karenge. SIP ke liye humein consistency aur return stability ki zaroorat hoti hai. Fund B ka 3Y return aur Fund A ka 3Y return ke beech ka farq bahut chota hai, lekin Fund B ka expense ratio bhi zyada accha hai. Iske alawa, Fund B ka Sharpe ratio bhi zyada accha hai, jo uski risk-adjusted return ko dikhata hai. To, humke paas Fund B hi accha lagta hai SIP ke liye.
⚠️ Risk & Cost Analysis
Hum aajke main riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karenge. Fund B ka riskometer aur Fund A ka riskometer ke beech ka farq nahi hai, lekin Fund B ka volatility aur Fund A ka volatility ke beech ka farq nahi hai. Lekin, Fund B ka Sharpe ratio bhi zyada accha hai, jo uski risk-adjusted return ko dikhata hai. Iske alawa, Fund B ka expense ratio bhi zyada accha hai. To, humke paas Fund B hi accha lagta hai.
📊 Portfolio Diversification
Hum aajke main asset allocation aur top holdings concentration ka comparison karenge. Fund A aur Fund B ka asset allocation ek hi hai, T-Bills 65% aur CD 20%. Lekin, Fund A ka top holdings concentration thoda zyada hai, jo sector risk ko dikhata hai. To, humke paas Fund B hi accha lagta hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 B ka 5Y return aur 3Y return bhi Fund A se zyada accha hai. To, Fund B long run mein aapko better returns dega.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio Fund A se zyada accha hai, jo uski risk-adjusted return ko dikhata hai. Iske alawa, Fund B ka expense ratio bhi zyada accha hai. To, Fund B ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio Fund A se zyada accha hai, jo aapko more cost-effective fund dega.
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