Old Bridge Mutual Fund Liquid Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.96%
Chaliye, let's start with an introduction. Fund A aur Fund B dono liquid funds hain. Liquid funds investment ke liye suitable hote hain, lekin Fund A and Fund B ke beech me kuchh antar hai. Is article me hum Fund A aur Fund B ke beech ki tarah se compare karenge aur aapko pata chalega ki kis fund ki investment aapko achi lagegi.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | Nippon India |
| Category | Liquid Fund | Liquid |
| NAV (₹) | 5622.79 | 6813.87 |
| AUM (₹ Cr) | 4.73 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.58 | 3.83 |
| 1 Year Return (%) | 6.17% | 6.21% |
| 3 Year Return (%) | 6.93% | 6.96% |
| 5 Year Return (%) | 6.11% | 6.14% |
| Since Launch (%) | 50.63% | 6.87% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 239% | 260% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki Fund B aapke liye better fund hai. Fund B ki 3Y return 6.96% hai, jo ki Fund A ki 6.93% se zyada hai. Lekin expense ratio ka dhyaan dena bhi important hai. Fund B ki expense ratio 0.2% hai, jo ki Fund A ki 0.12% se jyada hai. Lekin agar tumhare paas 3Y ke liye paryaapt samay hai, toh Fund B aapke liye better option 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Chaliye, SIP suitabilita ke bare me baat karenge. Fund A aur Fund B dono consistent returns de rahe hain. Lekin Fund B ki return stability thodi zyada hai. Fund A ki 1Y return 6.17% hai, jabki Fund B ki 6.21% hai. Isliye, Fund B aapke liye better option hai SIP ke liye.
⚠️ Risk & Cost Analysis
Sach ye hai ki riskometer aur volatility dono Fund A aur Fund B ke liye similar hain. Lekin Sharpe ratio ka dhyaan dena bhi important hai. Fund B ki Sharpe ratio 3.83 hai, jo ki Fund A ki 3.58 se zyada hai. Isliye, Fund B aapke liye better risk-adjusted returns de raha hai. Lekin expense ratio ka dhyaan dena bhi important hai, lekin Fund B ki expense ratio Fund A ki expenses ratio se jyada hai.
📊 Portfolio Diversification
Portfolio diversification ka dhyaan dena bhi important hai. Fund A aur Fund B dono asset allocation me aise hein. Lekin Fund A ki asset allocation jyada diversified hai. Fund A mein T-Bills 65% hai, CD 20%, CP 10%, aur cash 5%. Isliye, Fund A aapke liye better portfolio diversification de raha hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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 hai ki Fund B Fund A ke 5Y returns (6.14% vs 6.11%) se zyada returns de raha hai. Isliye, Fund B aapke liye better option hai long run ke liye.
Q2: Is the higher risk fund worth it?
Answer hai ki Fund B ki volatility aur Sharpe ratio Fund A ke liye better hai. Lekin agar aapko risk nahi lene ki talaash hai, toh Fund A aapke liye better option hai.
Q3: Which fund is more cost-effective?
Answer hai ki Fund A ki expense ratio Fund B ki expense ratio se kam hai. Isliye, Fund A aapke liye cost-effective option 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