Old Bridge Mutual Fund Liquid Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
18.13%
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | SBI Mutual Fund |
| Category | Liquid Fund | Multi Cap |
| NAV (₹) | 5622.79 | 432.21 |
| AUM (₹ Cr) | 4.73 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.47% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.25 |
| Sharpe Ratio | 3.58 | 0.88 |
| 1 Year Return (%) | 6.17% | 12.11% |
| 3 Year Return (%) | 6.93% | 18.13% |
| 5 Year Return (%) | 6.11% | 15.02% |
| Since Launch (%) | 50.63% | 15.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 239% | 45% |
🤖 AI Verdict – Which is Better?
Hmm, let's see, Fund A, Old Bridge Mutual Fund Liquid Fund, is a liquid fund with low risk and low returns. On the other hand, Fund B, SBI Focused Fund, is a multi-cap fund with high risk and high returns. For long-term wealth creation, Fund B's 3Y return of 18.13% is impressive, but its very high riskometer and high expense ratio of 1.47% are concerns. Haan, Fund A's consistent returns and low expense ratio of 0.12% make it a better choice for long-term investors.
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 Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
Chaliye, let's talk about SIP (Systematic Investment Plan) suitability. For a monthly SIP of 10+ years, Fund A's consistent returns and low volatility make it a better choice. Fund B's high volatility and high expense ratio may not be suitable for regular SIP investments.
⚠️ Risk & Cost Analysis
Lekin, let's analyze the risk and cost of both funds. Fund A has a low riskometer, low volatility of 0.12, and a Sharpe ratio of 3.58, indicating better risk-adjusted returns. Fund B, on the other hand, has a very high riskometer, high volatility of 13.25, and a Sharpe ratio of 0.88, indicating higher risks and lower returns. Moreover, Fund B's expense ratio is 1.47%, which is higher than Fund A's 0.12%. Sach ye hai, Fund A offers better risk-adjusted returns and lower costs.
📊 Portfolio Diversification
Portfolio diversification is key to minimizing risk. Fund A's asset allocation is more conservative, with 65% in T-Bills, 20% in CDs, 10% in CPs, and 5% in cash. On the other hand, Fund B's asset allocation is more aggressive, with 76.29% in equity, 14.88% in foreign equity, and 0.16% in T-Bills. Fund B's top three holdings are Alphabet Inc Class A, State Bank of India, and ICICI Bank Ltd., which may expose investors to sector risk. Fund A's top three holdings are State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills, which are more diversified.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 B's 5Y return of 15.02% is higher than Fund A's 5Y return of 6.11%, but Fund A has a lower riskometer and lower expenses. Long-term investors may prefer Fund A's consistent returns.
Q2: Is the higher risk fund worth it?
Haan, Fund B's higher returns come with higher risks. Its volatility of 13.25 is much higher than Fund A's 0.12. Sharpe ratio of 0.88 is also lower than Fund A's 3.58. Investors should carefully evaluate their risk tolerance before investing in Fund B.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A's expense ratio of 0.12% is much lower than Fund B's 1.47%. This makes Fund A a more cost-effective choice for investors.
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