SBI Blue Chip Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
6.97%
Dekho, aapko do funds ke beech mein compare karna hai - SBI Blue Chip Fund aur JM Financial Liquid Fund. Ye dono funds alag-alag categories mein aate hain aur unki riskometer aur expense ratio bhi alag-alag hai. Is article mein, hum aapko fund B ki comparison ke baare mein detail dikhayenge.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 363.19 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 3.92 |
| 1 Year Return (%) | -0.75% | 6.21% |
| 3 Year Return (%) | 12.44% | 6.97% |
| 5 Year Return (%) | 13.47% | 6.16% |
| Since Launch (%) | 22.61% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Asit Bhandarkar (3.5 years yrs) |
| Benchmark | Nifty 50 | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.26% | T-Bills: 0.78% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 8% | 259% |
🤖 AI Verdict – Which is Better?
Haan, fund B - JM Financial Liquid Fund, aapke liye better option hai. Ye fund 3Y return mein 6.97% ki bahut acchi return deti hai, lekin expense ratio bahut kam hai - 0.12%. Iske alawa, riskometer Low hai, jisse aapko kam risk ka fund milta hai. Fund A ki comparison mein, 3Y return bahut acchi hai, lekin expense ratio 1.43% ka hai, jo bahut jyada hai.
Why consider SBI Blue Chip Fund?
- Expense ratio: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
Why consider JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Chaliye, hum SIP ke liye fund B ka comparison karenge. Fund B ki consistency aur return stability bahut acchi hai. Is fund ka 3Y return 6.97% hai, jisse aapko 10+ saal ke liye SIP ke liye accha fund milta hai. Fund A ki comparison mein, return stability kam hai, lekin 3Y return bahut acchi hai.
⚠️ Risk & Cost Analysis
Sach ye hai, fund B ki riskometer Low hai, jisse aapko kam risk ka fund milta hai. Iske alawa, volatility 0.12 hai, jo fund A ki comparison mein bahut kam hai. Sharpe ratio 3.92 hai, jisse aapko bahut acchi risk-adjusted return milta hai. Fund A ki comparison mein, Sharpe ratio 0.52 hai, jo bahut kam hai. Expense ratio fund B ka 0.12% hai, jisse aapko bahut accha fund milta hai.
📊 Portfolio Diversification
Chaliye, hum fund B ke asset allocation ke baare mein jante hain. Is fund ka asset allocation T-Bills, CD, CP, aur Cash mein 65%, 20%, 10%, aur 5% hai, jisse aapko bahut accha diversification milta hai. Fund A ki comparison mein, asset allocation Equity aur T-Bills mein 97.26% aur 0.78% hai, jisse aapko sector risk bahut jyada hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@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?
Fund B - JM Financial Liquid Fund, aapke liye better option hai. Ye fund 5Y return mein 6.16% ki bahut acchi return deti hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ki volatility 0.12 hai, jo fund A ki comparison mein bahut kam hai. Sharpe ratio bhi 3.92 hai, jisse aapko bahut acchi risk-adjusted return milta hai.
Q3: Which fund is more cost-effective?
Fund B - JM Financial Liquid Fund, aapke liye cost-effective hai. Ye fund expense ratio mein 0.12% ka hai, jisse aapko bahut accha fund milta 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