Old Bridge Mutual Fund Liquid Fund vs PPFAS 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%
Today, we're going to compare two different types of mutual funds - Liquid Fund and Multi Cap Fund. Fund A, Old Bridge Mutual Fund Liquid Fund, is a low-risk fund suitable for short-term investments, while Fund B, PPFAS Mutual Fund Multi Cap Fund, is a high-risk fund for long-term wealth creation. We'll see which fund is better suited for you, considering various factors like returns, risk, and cost. Dekho, let's dive in!
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 5622.79 | 19.01 |
| AUM (₹ Cr) | 4.73 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.1 |
| Sharpe Ratio | 3.58 | 1.02 |
| 1 Year Return (%) | 6.17% | 5.23% |
| 3 Year Return (%) | 6.93% | 20.86% |
| 5 Year Return (%) | 6.11% | 14.84% |
| 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 | Rajeev Thakkar (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% | 41% |
🤖 AI Verdict – Which is Better?
After analyzing the data, we can say that Fund B, PPFAS Mutual Fund Multi Cap Fund, is a better choice for long-term wealth creation. Its 3-year return is significantly higher at 20.86% compared to Fund A's 6.93%. Although it comes with a higher expense ratio of 1.68%, the potential returns make it a more attractive option for investors willing to take on higher risk. Haan, Fund B is the winner here!
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 PPFAS Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
For investors planning to invest through a Systematic Investment Plan (SIP) for 10+ years, we recommend Fund A, Old Bridge Mutual Fund Liquid Fund. Its consistent returns over the past 3 years and lower volatility make it a more stable option compared to Fund B. Chaliye, let's see how it performs over time!
⚠️ Risk & Cost Analysis
Now, let's compare the risk and cost of both funds. Fund A has a low riskometer rating and a volatility of 0.12, making it a safer bet. Its Sharpe ratio of 3.58 is also higher than Fund B's 1.02, indicating better risk-adjusted returns. Lekin, Fund B comes with a lower expense ratio of 0.12%. Sach ye hai, investors need to weigh the pros and cons before making a decision.
📊 Portfolio Diversification
When it comes to portfolio diversification, Fund A is more diversified with a 65% allocation to T-Bills, 20% to CDs, and 15% to CPs. Fund B, on the other hand, has a 97% allocation to equity, which can be riskier. Dekho, Fund A is the more diversified option here.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
PPFAS 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?
Based on the 5-year returns, Fund B, PPFAS Mutual Fund Multi Cap Fund, gives better returns at 14.84%, compared to Fund A's 6.11%. However, it's essential to note that Fund B comes with higher risk, so investors need to be cautious.
Q2: Is the higher risk fund worth it?
While Fund B comes with higher risk, its Sharpe ratio of 1.02 is lower than Fund A's 3.58, indicating that the risk-adjusted returns are not as good. Lekin, investors who can withstand higher risk might find Fund B attractive for its potential returns.
Q3: Which fund is more cost-effective?
Based on the expense ratio, Fund A, Old Bridge Mutual Fund Liquid Fund, is more cost-effective at 0.12%, compared to Fund B's 1.68%. Dekho, investors can save more with Fund A.
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