SBI Blue Chip Fund vs Kotak Mahindra Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.44%
3Y Return
6.93%
Yeh article mein hum dekhenge SBI Blue Chip Fund aur Kotak Mahindra Liquid Fund ki comparison. SBI Blue Chip Fund ek Large Cap fund hai, jabki Kotak Mahindra Liquid Fund ek Liquid Fund hai. Dekhogi, kya yeh dono fund aapke long-term investment ke liye aapke liye sahi hain?
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.11 |
| Sharpe Ratio | 0.52 | 3.91 |
| 1 Year Return (%) | -0.75% | 6.17% |
| 3 Year Return (%) | 12.44% | 6.93% |
| 5 Year Return (%) | 13.47% | 6.11% |
| Since Launch (%) | 22.61% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 18 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Chaliye, hum dekhenge kis fund long-term wealth creation ke liye aapke liye better hai. 3Y return, expense ratio, aur risk ka dhyan rakhke, hum saabit karenge ki kis fund mein paise lagane se aapka fayda hoga. Haan, hum dekhenge ki kis fund mein aapko better returns milein.
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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye kis fund aapke liye better hai? Dekhogi, kis fund mein consistency aur return stability sabse ziada hai. Haan, hum dekhenge ki kis fund mein aapko better returns milein aur SIP ke liye kya kya faayde hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka dhyan rakhke, hum dekhenge ki kis fund mein aapko better risk-adjusted returns milein. Lekin, kya yeh fund mein khelna aapke liye safe hai? Dekhogi, hum saabit karenge.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka dhyan rakhke, hum dekhenge ki kis fund mein aapko better diversification milegi. Haan, hum dekhenge ki kis fund mein sector risk sabse ziada hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
Kotak Mahindra 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?
Sach ye hai, Fund A ki 5Y return 13.47% hai, jabki Fund B ki 5Y return 6.11% hai. Isliye, Fund A long-term mein aapko better returns denewale hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki Sharpe ratio 0.52 hai, jabki Fund B ki Sharpe ratio 3.91 hai. Isliye, Fund A ki risk-adjusted returns Fund B ke compared to better hai. Lekin, yeh dhyan rakhein ki Fund A ki volatility 11.37 hai, jabki Fund B ki volatility 0.11 hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ki expense ratio 0.12% hai, jabki Fund A ki expense ratio 1.43% hai. Isliye, Fund B aapke liye cost-effective 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