Old Bridge Mutual Fund Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
12.82%
Yaar, dekho! Today, hum aapko do alag-alag mutual funds ke baare mein batayenge. Fund A hai Old Bridge Mutual Fund Liquid Fund Direct Plan Growth, jiska category hai Liquid Fund. Fund B hai Kotak Mahindra Large Cap Fund Direct Plan Growth, jiska category hai Large Cap. Aap jaanenge ki kya aapke paiso ke liye ye dono fund behtar hain ya nahin.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | Kotak Mahindra |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 5622.79 | 635.60 |
| AUM (₹ Cr) | 4.73 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.32 |
| Sharpe Ratio | 3.58 | 0.56 |
| 1 Year Return (%) | 6.17% | -2.46% |
| 3 Year Return (%) | 6.93% | 12.82% |
| 5 Year Return (%) | 6.11% | 12.2% |
| Since Launch (%) | 50.63% | 13.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai, Fund B khaas kar long-term ke liye aage badhne ke liye thoda jyada sujhav hain. Usska 3Y return 12.82% hai, jabki Fund A ka 3Y return 6.93% hai. Lekin expense ratio bhi bahut jyada hai, 1.36%. Fund A ka expense ratio thoda kam hai, 0.12%. Riskometer bhi bahut jyada hai, Very High. Lekin agar aap long-term ke liye nishchit hain, to Fund B aapke liye aage badhne ke liye behtar fund 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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
Chaliye, sip ke liye Fund A kaafi accha hai. Usska consistency aur return stability bahut accha hai. Fund B ke 1Y return negative hai, lekin 3Y return bahut achha hai. Lekin sip ke liye Fund A ka consistency aur return stability aapke liye behtar hain.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund A ka risk kam hai, Low. Fund B ka risk bahut jyada hai, Very High. Sharpe ratio ke hisab se bhi, Fund A ka Sharpe ratio 3.58 hai, jo bahut accha hai. Fund B ka Sharpe ratio 0.56 hai, jo kam hai. Expense ratio ke hisab se, Fund A ka expense ratio 0.12% hai, jo kam hai. Fund B ka expense ratio 1.36% hai, jo bahut jyada hai. Lekin volatility ke hisab se, Fund B ka volatility 11.32 hai, jo bahut jyada hai. Fund A ka volatility 0.12 hai, jo kam hai. Lekin risk-adjusted returns ke hisab se, Fund A ka behtar fund hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A ka asset allocation thoda kam hai, 65% T-Bills, 20% CD, 10% CP, aur 5% cash. Fund B ka asset allocation bahut jyada hai, 96% equity aur 4% T-Bills. Top holdings concentration ke hisab se, Fund A ka top holdings concentration kam hai, State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8%. Fund B ka top holdings concentration bahut jyada hai, HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, aur Reliance Industries Ltd. 6.9%. Fund A ka portfolio diversification thoda kam hai, lekin Fund B ka portfolio diversification bahut kam hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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?
Answer based on 5Y/3Y returns. Fund B ka 5Y return 12.2% hai, jo Fund A ka 5Y return 6.11% se adhik hai. Lekin Fund A ka 3Y return 6.93% hai, jo Fund B ka 3Y return 12.82% se kam hai. Lekin long-term ke liye, Fund B ka 5Y return adhik hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund B ka volatility 11.32 hai, jo Fund A ka volatility 0.12 se bahut jyada hai. Lekin Fund B ka Sharpe ratio 0.56 hai, jo Fund A ka Sharpe ratio 3.58 se kam hai. Lekin Fund B ka higher risk fund hain, lekin uska return bhi kam hai. Lekin agar aap risk ke liye taiyar hain, to Fund B aapke liye behtar fund hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load. Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 1.36% se kam hai. Lekin exit load ke hisab se, Fund A ka exit load N/A hai, aur Fund B ka exit load N/A hai. Lekin expense ratio ke hisab se, Fund A ka fund aapke liye 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