SBI Focused Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.85%
Hum yahaan Fund A aur Fund B ke beech ka samnaa karne ja rahe hain. Fund A ek Multi Cap fund hai aur Fund B ek Liquid Fund. Dekho, is article mein hum aapko fund ke category aur ismein aapko kya seekhne milengi, iske baare mein jaankari denge.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 443.77 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.13 |
| Sharpe Ratio | 0.88 | 2.69 |
| 1 Year Return (%) | 12.11% | 6.09% |
| 3 Year Return (%) | 18.13% | 6.85% |
| 5 Year Return (%) | 15.02% | 6.05% |
| Since Launch (%) | 15.63% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 45% | 279% |
🤖 AI Verdict – Which is Better?
Haan, hume pata hai ki Fund A ek multi cap fund hai aur use long-term ke liye invest karna chahiye. Fund B ek liquid fund hai aur ismein aapka paisa kam se kam 3 saal ke liye nahin rakha ja sakta hai. Lekin, agar aapko long-term wealth creation ki zaroorat hai, toh Fund A aapke liye better option hai. Ismein 3Y return 18.13% hai, expense ratio 1.47% hai, aur riskometer Very High hai.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Chaliye, aap ek monthly SIP ke liye invest karna chahte hain. Toh, Fund A aapke liye better option hai. Ismein consistency aur return stability hai, jo aapke investment ke liye achha hai. Fund B ek liquid fund hai, ismein aapka paisa thoda aur kam time ke liye invest ho sakta hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A ek high-risk fund hai, lekin ismein aapko high return bhi mil sakta hai. Fund B ek low-risk fund hai, lekin ismein aapko low return bhi mil sakta hai. Lekin, agar aapko risk nahi karna hai, toh Fund B aapke liye better option hai. Ismein riskometer Low hai, volatility 0.13 hai, aur Sharpe ratio 2.69 hai.
📊 Portfolio Diversification
Ab, hamare paas Fund A aur Fund B ke asset allocation ke baare mein jaankari hai. Fund A mein equity 76.29% hai, forg. eq 14.88% hai, debenture 0.74% hai, aur t-bills 0.16% hai. Fund B mein t-bills 65% hai, CD 20% hai, CP 10% hai, aur cash 5% hai. Lekin, Fund B mein asset allocation thoda aur kam diversified hai, lekin ismein sector risk nahin hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 aapke liye better option hai. Iske 5Y return 15.02% hai, aur 3Y return 18.13% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ek high-risk fund hai, lekin ismein aapko high return bhi mil sakta hai. Ismein volatility 13.25 hai, aur Sharpe ratio 0.88 hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B aapke liye better option hai. Iske expense ratio 0.12% hai, aur Fund A ke expense ratio 1.47% 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