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
31.25%
3Y Return
6.93%
Aaj hum do mutual funds ki compare karenge, SBI Blue Chip Fund aur LIC Mutual Fund Liquid Fund. Ye dono funds alag-alag categories mein padte hain. SBI Blue Chip Fund Large Cap fund hai aur LIC Mutual Fund Liquid Fund Liquid Fund hai. Aapko is article mein pata chalega ki in do funds mein kya fark hai aur kis fund mein aapki paisa safalta ke liye invest karna chahiye.
| Parameter | ASBI Blue Chip Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Large Cap | Liquid Fund |
| NAV (₹) | 101.68 | 5622.79 |
| AUM (₹ Cr) | 5.35 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.79% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 11.35 | 0.12 |
| Sharpe Ratio | 2.18 | 3.58 |
| 1 Year Return (%) | 9.84% | 6.17% |
| 3 Year Return (%) | 31.25% | 6.93% |
| 5 Year Return (%) | 25.25% | 6.11% |
| Since Launch (%) | 12.02% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 January 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 | 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% | 241% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, SBI Blue Chip Fund better hai. Iska 3Y return 31.25% hai, jo LIC Mutual Fund Liquid Fund ke 6.93% se bahut zyada hai. Iske alawa, SBI Blue Chip Fund ka expense ratio 0.79% hai, jo LIC Mutual Fund Liquid Fund ka 0.12% se bahut kam hai. Riskometer ke hisab se bhi, SBI Blue Chip Fund zyada risk wala fund hai, lekin iska Sharpe ratio bhi zyada hai, jo iska kam risk wala return dikhata 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 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, SBI Blue Chip Fund better hai. Iska 3Y return aur expense ratio dono mein kam hai. Is fund ka Sharpe ratio bhi zyada hai, jo iska kam risk wala return dikhata hai. Aap ek monthly SIP ke liye in dono funds mein invest kar sakte hain, lekin SBI Blue Chip Fund mein.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, SBI Blue Chip Fund zyada risk wala fund hai. Iska riskometer Very High hai, aur volatility 11.35 hai. Lekin iska Sharpe ratio bhi zyada hai, jo iska kam risk wala return dikhata hai. LIC Mutual Fund Liquid Fund ke expense ratio bahut kam hai, 0.12%, lekin iska return bhi kam hai, 6.93%.
📊 Portfolio Diversification
SBI Blue Chip Fund ka asset allocation Equity mein 97.26% hai, aur T-Bills mein 0.78% hai. Ise zyada diversified fund nahi mana ja sakta. Iska top 3 holding HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. LIC Mutual Fund Liquid Fund ka asset allocation T-Bills mein 65.00% hai, aur CD aur CP mein 35.00% hai. Iska asset allocation zyada diversified hai.
SIP Calculator – Compare Growth Potential
SBI Blue Chip Fund
₹4110903.05
@31.3% 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?
SBI Blue Chip Fund 5Y aur 3Y return mein bahut accha perform kar raha hai, 25.25% aur 31.25% return dikh raha hai. Isliye, yeh fund aapke paisa ke liye long run mein better hai.
Q2: Is the higher risk fund worth it?
SBI Blue Chip Fund ka riskometer Very High hai, lekin iska Sharpe ratio bhi zyada hai, jo iska kam risk wala return dikhata hai. Isliye, yeh fund kam risk wala return dene ke liye bahut accha hai.
Q3: Which fund is more cost-effective?
LIC Mutual Fund Liquid Fund ka expense ratio bahut kam hai, 0.12%, lekin iska return bhi kam hai, 6.93%. Isliye, yeh fund cost-effective nahi hai. SBI Blue Chip Fund ka expense ratio 0.79% hai, jo bahut kam nahi hai, lekin iska return bhi bahut accha hai, 31.25%.
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