Old Bridge Mutual Fund Liquid Fund vs LIC Mutual Fund 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 ek bahut hi ajeeb dhang ki comparison karne ja rahe hain. Fund A hai Old Bridge Mutual Fund Liquid Fund Direct Plan Growth, aur Fund B hai LIC Mutual Fund Multi Cap Fund Regular Plan Growth. Ye dono khaas category mein hain, lekin unka pehlu bahut alag hai. Hum aapko batayenge ki yeh dono fund aapke paiso ke liye kya offer karte hain.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | LIC Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 5622.79 | 19.01 |
| AUM (₹ Cr) | 4.73 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.9 |
| Sharpe Ratio | 3.58 | 1.03 |
| 1 Year Return (%) | 6.17% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 11.46% |
| 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 | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Haan, humara verdict hai ki Fund A hai better fund for long-term wealth creation. Iska sabse bada kaaran hai 3Y return aur expense ratio. Fund A ka 3Y return 6.93% hai, jo ki Fund B ka 3Y return 20.86% se bhi kam hai. Expense ratio mein bhi Fund A kam hai, 0.12% compare to Fund B ka 1.68%. Riskometer bhi Fund A ke liye low hai, jo ki risk-wala investor ko pasand aayega.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
Chaliye, SIP Suitability ke bare mein dekhte hain. Fund A ka SIP plan consistent hai aur return stability ke liye bhi accha hai. Fund B ka SIP plan bhi accha hai, lekin iska return stability Fund A ke mukabla thoda kam hai. Haan, Fund A ka SIP plan Fund B ke mukabla better hai.
⚠️ Risk & Cost Analysis
Lekin, riskometer aur volatility ke bare mein dekhte hain. Fund B ka riskometer very high hai, jo ki risk-wala investor ko pasand nahin aayega. Volatility bhi Fund B ke liye 13.9 hai, jo ki Fund A ke mukabla kam hai. Sharpe ratio bhi Fund B ke liye 1.03 hai, jo ki Fund A ke mukabla kam hai. Aise me, Fund A ka expense ratio 0.12% hai, jo ki Fund B ke mukabala bhi kam hai.
📊 Portfolio Diversification
Portfolio diversification ke bare mein dekhte hain. Fund A ka asset allocation hai T-Bills 65%, CD 20%, CP 10%, aur Cash 5%. Fund B ka asset allocation hai Equity 97%, aur T-Bills 3%. Haan, Fund A ka asset allocation Fund B ke mukabla bhi kam risk wala hai. Top holdings bhi Fund A ka State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% hai, jo ki Fund B ka HDFC Bank Ltd. 6.5%, ICICI Bank Ltd. 5.8%, aur Reliance Industries Ltd. 4.9% ke mukabla kam risk wala hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
LIC Mutual Fund 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 A ka 5Y return 6.11% hai, jo ki Fund B ka 5Y return 11.46% se kam hai. Lekin, expense ratio aur riskometer ke bare mein dekhte hain, Fund A hai better option.
Q2: Is the higher risk fund worth it?
Nahin, higher risk fund nahin hai worth it. Fund B ka volatility 13.9 hai, jo ki Fund A ke mukabla kam hai. Sharpe ratio bhi Fund B ke liye 1.03 hai, jo ki Fund A ke mukabla kam hai.
Q3: Which fund is more cost-effective?
Haan, Fund A hai more cost-effective. Fund A ka expense ratio 0.12% hai, jo ki Fund B ke mukabala bhi kam 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