Old Bridge Mutual Fund Liquid Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
20.86%
Dekho, today hum do funds ke beech ka comparison karenge. Fund A, Old Bridge Mutual Fund Liquid Fund hai jo Liquid Fund category mein aata hai. Fund B, JM Financial Multi Cap Fund hai jo Multi Cap category mein aata hai. Hum aapko iske return, riskometer, volatility aur asset allocation ke baare mein jaanne ke liye kuch mahatvapurn points dikhaenge.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | JM Financial |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 5622.79 | 19.01 |
| AUM (₹ Cr) | 4.73 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.35 |
| Sharpe Ratio | 3.58 | 1 |
| 1 Year Return (%) | 6.17% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 0% |
| Since Launch (%) | 50.63% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Asit Bhandarkar (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 239% | 44% |
🤖 AI Verdict – Which is Better?
Hamare analysis ke anusar, Fund A Old Bridge Mutual Fund Liquid Fund long-term wealth creation ke liye better hai. Iska reason 3Y return, expense ratio aur riskometer hai. Fund A ka 3Y return 6.93% hai, jo Fund B se adhik hai. Expense ratio bhi Fund A mein low hai, 0.12% hai. Riskometer bhi Fund A mein low hai, jo aapko low risk investment deti 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
SIP Suitability ka matter hai, to humein Fund A aur Fund B ke consistency aur return stability ka comparison karna hai. Fund A ka 1Y return 6.17% hai aur 3Y return 6.93% hai. Fund B ka 1Y return 5.23% hai lekin 3Y return 20.86% hai. Par lekin, Fund B ka volatility 14.35 hai, jo Fund A ke 0.12 se adhik hai. Isliye, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ka comparison karna hai. Fund A ka riskometer low hai, jo Fund B ke very high se adhik hai. Volatility bhi Fund A mein low hai, 0.12 hai. Sharpe ratio Fund A mein 3.58 hai, jo Fund B ke 1 se adhik hai. Expense ratio bhi Fund A mein low hai, 0.12% hai. Isliye, Fund A better risk-adjusted returns deti hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karna hai. Fund A ka asset allocation T-Bills mein 65.00% hai, CD mein 20.00% aur CP mein 10.00%. Top 3 holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills shamil hain. Fund B ka asset allocation Equity mein 97.00% hai aur T-Bills mein 3.00%. Top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. shamil hain. Isliye, Fund A ka asset allocation more diversified hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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, Fund B ka 3Y return 20.86% hai, jo Fund A ke 6.93% se adhik hai. Lekin, Fund A ka 5Y return 6.11% hai, jo Fund B ke 0% se adhik hai. Isliye, Fund A long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ka comparison karte hue, hum dekh sakte hain ki Fund B ka volatility 14.35 hai, jo Fund A ke 0.12 se adhik hai. Sharpe ratio bhi Fund B mein low hai, 1 hai. Isliye, Fund B ka higher risk fund nahin hai.
Q3: Which fund is more cost-effective?
Expense ratio ka comparison karte hue, hum dekh sakte hain ki Fund A ka expense ratio 0.12% hai, jo Fund B ke 1.68% se adhik hai. Isliye, Fund A more cost-effective 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