Old Bridge Mutual Fund Liquid Fund vs LIC Mutual Fund 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%
Today, we're comparing two popular mutual funds, Old Bridge Mutual Fund Liquid Fund - Direct Plan - Growth and LIC Mutual Fund Large Cap Fund - Direct Plan - Growth. Dekho, both funds have their own strengths and weaknesses, and we'll help you decide which one suits your investment goals. We'll look at their categories, returns, risk levels, and expense ratios to give you a clear understanding of which fund is better for long-term wealth creation.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | LIC Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 5622.79 | 497.22 |
| AUM (₹ Cr) | 4.73 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.93 |
| Sharpe Ratio | 3.58 | 0.69 |
| 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 | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Haan, our verdict is clear. For long-term wealth creation, Fund B - LIC Mutual Fund Large Cap Fund - Direct Plan - Growth is a better option. Its 3Y return is 14.7%, which is significantly higher than Fund A's 3Y return of 6.93%. Lekin, it's also a very high-risk fund, so you must be prepared to take that risk. Fund A, on the other hand, has a low risk level, making it a better option for conservative investors.
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 LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Chaliye, let's talk about which fund is better for a monthly SIP for 10+ years. Both funds have their own strengths and weaknesses, but Fund A is more consistent and has a lower volatility. Its 1Y return is 6.17%, which is higher than Fund B's 1Y return of -4.02%. Fund A is a better option for a SIP, as it provides a stable return over the long term.
⚠️ Risk & Cost Analysis
Sach ye hai, the riskometer, volatility, Sharpe ratio, and expense ratio are all important factors to consider when choosing a fund. Fund A has a low riskometer, low volatility, and a high Sharpe ratio, making it a better option for risk-averse investors. Lekin, its expense ratio is slightly higher than Fund B's. Fund B, on the other hand, has a very high riskometer and high volatility, but its expense ratio is lower.
📊 Portfolio Diversification
Portfolio diversification is crucial for any investment portfolio. Fund A has a diversified portfolio with a mix of T-Bills, CDs, CPs, and cash. Its top three holdings are State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills. Fund B, on the other hand, has a highly concentrated portfolio with a majority of its assets invested in equities. Its top three holdings are HDFC Bank Ltd., ICICI Bank Ltd., and Reliance Industries Ltd.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
LIC Mutual Fund 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.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Based on the 5Y return, Fund B - LIC Mutual Fund Large Cap Fund - Direct Plan - Growth gives better returns in the long run with a return of 12.03%. However, Fund A - Old Bridge Mutual Fund Liquid Fund - Direct Plan - Growth has a stable 5Y return of 6.11%.
Q2: Is the higher risk fund worth it?
No, the higher risk fund may not be worth it. Although Fund B has a higher return, its volatility and risk level are also higher. Its Sharpe ratio is also lower compared to Fund A, indicating that it may not be the best option for risk-averse investors.
Q3: Which fund is more cost-effective?
Haan, Fund A - Old Bridge Mutual Fund Liquid Fund - Direct Plan - Growth is more cost-effective with an expense ratio of 0.12%. Fund B - LIC Mutual Fund Large Cap Fund - Direct Plan - Growth has a higher expense ratio of 0.52%.
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