SBI Blue Chip Fund vs LIC Mutual Fund 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%
Chaliye dekho, aaj hum do funds ka comparison kar rahe hain. Fund A, SBI Blue Chip Fund, large cap category ka fund hai, jabki Fund B, LIC Mutual Fund Liquid Fund, liquid fund category ka fund hai. Is article mein, hum aapko pata lagayenge ki kis fund mein long-term wealth creation ke liye invest karna chahiye aur kis fund mein SIP karna chahiye.
| Parameter | ASBI Blue Chip Fund - Regular Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 166.74 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 1.43% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.37 | 0.12 |
| Sharpe Ratio | 0.52 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Humne Fund A aur Fund B ka comparison kiya hai. Dekho, Fund A ka 3Y return 12.44% hai, jo Fund B ka 6.93% se zyada hai. Iske alawa, Fund A ka expense ratio 1.43% hai, jo Fund B ka 0.12% se zyada hai. Lekin, Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Haan, yeh sawal hai ki kis fund mein long-term wealth creation ke liye invest karna chahiye. Sach ye hai, Fund A mein long-term wealth creation ke liye invest karna chahiye, lekin ek high-risk investor ke liye Fund B bhi ek option 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
SIP ke liye, humne Fund A aur Fund B ka comparison kiya hai. Dekho, Fund A ka 3Y return consistent ho raha hai, jabki Fund B ka return stable hai. Iske alawa, Fund A ka expense ratio Fund B ka expense ratio se zyada hai. Haan, yeh sawal hai ki SIP ke liye kis fund ka chayan karna chahiye. Sach ye hai, Fund A mein SIP karna thoda riski hai, lekin Fund B mein SIP karna risk-free hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke liye, humne Fund A aur Fund B ka comparison kiya hai. Dekho, Fund A ka riskometer very high hai, jabki Fund B ka riskometer low hai. Iske alawa, Fund A ka volatility 11.37 hai, jo Fund B ka 0.12 se zyada hai. Haan, yeh sawal hai ki kis fund mein better risk-adjusted returns milte hain. Sach ye hai, Fund B mein better risk-adjusted returns milte hain.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, humne Fund A aur Fund B ka comparison kiya hai. Dekho, Fund A ka asset allocation equity mein 97.26% hai, jabki Fund B ka asset allocation T-Bills mein 65.00% hai. Iske alawa, Fund A ka top holdings concentration HDFC Bank Ltd, ICICI Bank Ltd aur Reliance Industries Ltd mein hai, jabki Fund B ka top holdings concentration State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai. Haan, yeh sawal hai ki kis fund mein portfolio diversification better hai. Sach ye hai, Fund B mein portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹1192614.40
@12.4% annual return (3Y)
LIC 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?
Ans. Fund A ka 5Y return 13.47% hai, jo Fund B ka 6.11% se zyada hai. Isliye, Fund A mein long-term wealth creation ke liye invest karna chahiye.
Q2: Is the higher risk fund worth it?
Ans. Haan, yeh sawal hai ki higher risk fund worth hai ya nahi. Fund A ka riskometer very high hai, lekin Fund B ka riskometer low hai. Iske alawa, Fund A ka volatility 11.37 hai, jo Fund B ka 0.12 se zyada hai. Isliye, Fund B mein better risk-adjusted returns milte hain.
Q3: Which fund is more cost-effective?
Ans. Fund B ka expense ratio 0.12% hai, jo Fund A ka 1.43% se kam hai. Isliye, Fund B mein investment 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