Old Bridge Mutual Fund Liquid Fund vs Navi 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%
Chaliye dekho, aaj humein do mutual funds ke beech mein comparison karna hai. Fund A, Old Bridge Mutual Fund Liquid Fund, ek liquid fund hai jo riskometer ke hisaab se low risk vikalp hai. Fund B, Navi Mutual Fund Multi Cap Fund, ek multi cap fund hai jo khaasataur se equity mein invest karta hai. Ye fund kaise hain aur inke beech mein kya differance hai, yeh ham aaj jaanne jaa rahe hain.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | Navi Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 5622.79 | 19.01 |
| AUM (₹ Cr) | 4.73 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15 |
| Sharpe Ratio | 3.58 | 0.96 |
| 1 Year Return (%) | 6.17% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 11.52% |
| 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 | Gopal Agrawal; Atul Zabhade (3.2 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% | 52% |
🤖 AI Verdict – Which is Better?
Hamaare analysis ke anusar, Fund A ek achha vikalp hai long-term wealth creation ke liye. Iska 3Y return 6.93% hai, jo Fund B ka 3Y return se 5.83% adhik hai. Iske alaawa, Fund A ka expense ratio 0.12% hai, jo Fund B se kam hai. Riskometer ke hisaab se bhi Fund A low risk hai, jo Fund B ka khaasataur se high risk hai. Haan, Fund A ka 5Y return 6.11% hai, jo Fund B ka 5Y return se 4.41% kam hai. Lekin, long-term wealth creation ke liye Fund A ek achha vikalp 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 Navi Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A ek achha vikalp hai. Iska 3Y return 6.93% hai, jo Fund B ka 3Y return se 5.83% adhik hai. Iske alaawa, Fund A ka expense ratio 0.12% hai, jo Fund B se kam hai. Fund A ka consistency aur return stability bhi accha hai, jo ek monthly SIP ke liye achha hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se Fund A low risk hai, jo Fund B ka khaasataur se high risk hai. Fund A ka volatility 0.12 hai, jo Fund B ka 15 se kam hai. Iske alaawa, Fund A ka Sharpe ratio 3.58 hai, jo Fund B ka 0.96 se adhik hai. Fund A ka expense ratio 0.12% hai, jo Fund B se kam hai. Haan, Fund A ka 5Y return 6.11% hai, jo Fund B ka 5Y return se 4.41% kam hai. Lekin, risk-adjusted returns ke hisaab se Fund A ek achha vikalp hai.
📊 Portfolio Diversification
Fund A ka asset allocation T-Bills (65.00%), CD (20.00%), CP (10.00%), aur cash (5.00%) hai. Iske alaawa, Fund A ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B ka asset allocation equity (97.00%) aur T-Bills (3.00%) hai. Iske alaawa, Fund B ka top 3 holdings HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), aur Reliance Industries Ltd. (4.9%) hai. Fund A ka portfolio diversification Fund B se adhik hai, lekin Fund B ka sector risk bhi kuch jyada hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Navi 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?
Haan, Fund A ka 5Y return 6.11% hai, jo Fund B ka 5Y return se 4.41% kam hai. Lekin, Fund A ka 3Y return 6.93% hai, jo Fund B ka 3Y return se 5.83% adhik hai. To, long run mein Fund A ek achha vikalp hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka 5Y return 11.52% hai, jo Fund A ka 5Y return se 5.41% adhik hai. Lekin, Fund B ka riskometer Very High hai, jo Fund A ka riskometer se kuch jyada hai. Sharpe ratio ke hisaab se bhi Fund B kam hai. To, Fund B ka higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio se kam hai. Iske alaawa, Fund A ka exit load N/A hai, jo Fund B ka exit load N/A se kam hai. To, Fund A ek cost-effective vikalp 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