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
31.25%
3Y Return
6.97%
Ab aapke paas do fund hain, jinko aapko compare karna hai: SBI Blue Chip Fund aur JM Financial Liquid Fund. Ye do fund alag-alag categories mein aate hain. SBI Blue Chip Fund ek Large Cap fund hai, jabki JM Financial Liquid Fund ek Liquid Fund hai. Aaj hum aapko batayenge ki aapke paas konsa fund hai aur kyun.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 363.19 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.12 |
| Sharpe Ratio | 2.18 | 3.92 |
| 1 Year Return (%) | 9.84% | 6.21% |
| 3 Year Return (%) | 31.25% | 6.97% |
| 5 Year Return (%) | 25.25% | 6.16% |
| Since Launch (%) | 12.02% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 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 | BSE 100 Total Return Index | 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?
Hum aapko batayenge ki kaunse fund long-term wealth creation ke liye accha hai. Iske liye hum 3Y return, expense ratio aur risk ko dekhe hain. SBI Blue Chip Fund ka 3Y return 31.25% hai, jabki JM Financial Liquid Fund ka 3Y return 6.97% hai. SBI Blue Chip Fund ka expense ratio 0.79% hai, jabki JM Financial Liquid Fund ka expense ratio 0.12% hai. SBI Blue Chip Fund ka riskometer Very High hai, jabki JM Financial Liquid Fund ka riskometer Low hai. Isliye, SBI Blue Chip Fund long-term wealth creation ke liye accha hai.
Why consider SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
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
Agar aapko monthly SIP ke liye koi fund chunna hai, to hum aapko batayenge ki kaunse fund accha hai. SBI Blue Chip Fund ka consistency aur return stability ke liye accha hai. Ismein aapko 5Y return 25.25% milta hai, jabki JM Financial Liquid Fund ka 5Y return 6.16% hai. Isliye, SBI Blue Chip Fund monthly SIP ke liye accha hai.
⚠️ Risk & Cost Analysis
Ab hum aapko batayenge ki konsa fund riskometer, volatility, Sharpe ratio aur expense ratio ke liye accha hai. SBI Blue Chip Fund ka riskometer Very High hai, jabki JM Financial Liquid Fund ka riskometer Low hai. SBI Blue Chip Fund ka volatility 11.35 hai, jabki JM Financial Liquid Fund ka volatility 0.12 hai. SBI Blue Chip Fund ka Sharpe ratio 2.18 hai, jabki JM Financial Liquid Fund ka Sharpe ratio 3.92 hai. SBI Blue Chip Fund ka expense ratio 0.79% hai, jabki JM Financial Liquid Fund ka expense ratio 0.12% hai. Isliye, SBI Blue Chip Fund risk-adjusted returns ke liye accha hai.
📊 Portfolio Diversification
Ab hum aapko batayenge ki konsa fund asset allocation aur top holdings concentration ke liye accha hai. SBI Blue Chip Fund ka asset allocation ek Large Cap fund ke liye accha hai, jahaan HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), aur Reliance Industries Ltd. (6.56%) shamil hain. JM Financial Liquid Fund ka asset allocation ek Liquid Fund ke liye accha hai, jahaan State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) shamil hain. Isliye, SBI Blue Chip Fund portfolio diversification ke liye accha hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% 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?
SBI Blue Chip Fund ka 5Y return 25.25% hai, jabki JM Financial Liquid Fund ka 5Y return 6.16% hai. Isliye, SBI Blue Chip Fund long run mein accha hai.
Q2: Is the higher risk fund worth it?
SBI Blue Chip Fund ka riskometer Very High hai, jabki JM Financial Liquid Fund ka riskometer Low hai. SBI Blue Chip Fund ka volatility 11.35 hai, jabki JM Financial Liquid Fund ka volatility 0.12 hai. Isliye, SBI Blue Chip Fund risk-adjusted returns ke liye accha hai.
Q3: Which fund is more cost-effective?
SBI Blue Chip Fund ka expense ratio 0.79% hai, jabki JM Financial Liquid Fund ka expense ratio 0.12% hai. Isliye, JM Financial Liquid Fund 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