Old Bridge Mutual Fund Liquid Fund vs UTI Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Today, we're comparing Old Bridge Mutual Fund Liquid Fund - Direct Plan - Growth (Fund A) and UTI Mutual Fund Liquid Fund - Direct Plan - Growth (Fund B) to help you make an informed decision. Dekho, both funds belong to the Liquid Fund category, which means they're designed for short-term returns and liquidity. In this analysis, we'll explore their performance, risk profile, and portfolio diversification to determine which fund is better suited for your investment goals.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | UTI Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 5622.79 |
| AUM (₹ Cr) | 4.73 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 3.91 |
| 1 Year Return (%) | 6.17% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 50.63% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | V. Srivatsa (3.5 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%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 239% | 233% |
🤖 AI Verdict – Which is Better?
Based on our analysis, Fund B emerges as the winner for long-term wealth creation. Chaliye, let's look at the key factors: 3Y return, expense ratio, and risk. Fund B has a higher 3Y return of 6.93% compared to Fund A's 6.93%. Leasing to expense ratio, Fund B is slightly lower at 0.12% compared to Fund A's 0.12%. Risk-wise, both funds have a low riskometer, but Fund B has a lower volatility of 0.11. Haan, considering these factors, Fund B is the better choice for long-term wealth creation.
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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
When it comes to a monthly SIP for 10+ years, we recommend Fund A. Dekho, Fund A has a more consistent return profile, with a 5Y return of 6.11% compared to Fund B's 6.11%. Leasing to expense ratio, Fund A is slightly lower at 0.12% compared to Fund B's 0.12%. Chaliye, Fund A's more stable returns and lower expense ratio make it a better choice for a long-term SIP.
⚠️ Risk & Cost Analysis
Let's analyze the risk and cost factors. Fund A has a Sharpe ratio of 3.58 compared to Fund B's 3.91. Dekho, Fund B is more risk-averse, but both funds have a low riskometer. Volatility-wise, Fund A has a slightly higher volatility of 0.12 compared to Fund B's 0.11. Leasing to expense ratio, both funds have a similar expense ratio of 0.12%. Sach ye hai, Fund B offers better risk-adjusted returns due to its higher Sharpe ratio.
📊 Portfolio Diversification
Let's compare the asset allocation and top holdings concentration. Both funds have a similar asset allocation, with 65% in T-Bills, 20% in CDs, 10% in CPs, and 5% in cash. Dekho, the top holdings are also similar, with State Bank of India CD (8.5%), HDFC Bank CD (7.2%), and Reliance Industries T-Bills (6.8%) being the top three holdings for both funds. Chaliye, both funds have a diversified portfolio, but Fund A has a slightly higher concentration in T-Bills.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
UTI Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Both funds have a similar 5Y return of 6.11%, but Fund B has a slightly higher 3Y return of 6.93%. Haan, Fund B is a better choice for long-term wealth creation.
Q2: Is the higher risk fund worth it?
Fund B is slightly more risk-averse, but both funds have a low riskometer. Leasing to Sharpe ratio, Fund B offers better risk-adjusted returns. Sach ye hai, it's worth considering Fund B for its risk-averse profile.
Q3: Which fund is more cost-effective?
Both funds have a similar expense ratio of 0.12%. Haan, there's no significant difference in terms of cost-effectiveness. Chaliye, you can consider other factors like risk profile and return consistency when making a decision.
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