Old Bridge Mutual Fund Liquid Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
19.98%
Dekho, aapne do mutual funds ki comparison karne ke liye aaye hain, jabki ek Liquid Fund hai aur doosra ELSS. Sach ye hai ki Liquid Fund aam taur par short-term investment ke liye hi hai, lekin yahaan hum 3Y return, expense ratio aur risk ke baare mein bhi dekhein.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | SBI Mutual Fund |
| Category | Liquid Fund | ELSS |
| NAV (₹) | 5622.79 | 462.73 |
| AUM (₹ Cr) | 4.73 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.93% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15.53 |
| Sharpe Ratio | 3.58 | 0.87 |
| 1 Year Return (%) | 6.17% | -1.1% |
| 3 Year Return (%) | 6.93% | 19.98% |
| 5 Year Return (%) | 6.11% | 17.91% |
| Since Launch (%) | 50.63% | 15.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Milind Agrawal (0.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 239% | 37% |
🤖 AI Verdict – Which is Better?
Our verdict hai ki Fund B, SBI ELSS Tax Saver Fund, long-term wealth creation ke liye better fund hai. Iska reason hai ki yeh 3Y return 19.98% hai, jo ki Fund A ki 6.93% se bahut zada hai. Lekin, expense ratio 0.93% hai, jo ki Fund A ki 0.12% se bahut zada hai. Haan, riskometer Very High hai, lekin yeh fund long-term investment ke liye hi 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 SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
SIP ke liye, humdeko consistency aur return stability ka dhyan dena hoga. Fund A ka 1Y return 6.17% hai, lekin Fund B ka 1Y return -1.1% hai. Lekin, Fund B ka 3Y return 19.98% hai, jo ki Fund A ki 6.93% se bahut zada hai. Haan, Fund A ka expense ratio 0.12% hai, jo ki Fund B ki 0.93% se kam hai. Chaliye, Fund B SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer ke liye, Fund A ka Riskometer Low hai, lekin Fund B ka Riskometer Very High hai. Lekin, Sharpe ratio ke liye, Fund A ka Sharpe ratio 3.58 hai, jo ki Fund B ki 0.87 se bahut zada hai. Haan, expense ratio ke liye, Fund A ka expense ratio 0.12% hai, jo ki Fund B ki 0.93% se kam hai. Chaliye, Fund A risk-adjusted returns mein better hai.
📊 Portfolio Diversification
Asset allocation ke liye, Fund A ka asset allocation T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% hai, jo ki bahut jatil hai. Fund B ka asset allocation Equity: 96.05% | T-Bills: 0.12% hai, jo ki bahut jatil nahi hai. Haan, top holdings concentration ke liye, Fund A ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai, jo ki Fund B ki ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank Ltd. (4.9%) se kam hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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?
Ans: Fund B ka 5Y return 17.91% hai, jo ki Fund A ki 6.11% se zada hai.
Q2: Is the higher risk fund worth it?
Ans: Nahi, Fund B ka volatility 15.53 hai, jo ki Fund A ki 0.12 se bahut zada hai. Sharpe ratio ke liye, Fund A ka Sharpe ratio 3.58 hai, jo ki Fund B ki 0.87 se bahut zada hai.
Q3: Which fund is more cost-effective?
Ans: Fund A ka expense ratio 0.12% hai, jo ki Fund B ki 0.93% se 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