SBI Focused Fund vs Groww Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.93%
Dekho, aapko Fund A aur Fund B ke beech mein comparison karna hai. Ye do funds alag-alag categories mein hain. Fund A ek Multi Cap fund hai, jabki Fund B ek Liquid fund hai. Aaj hum aapko batayenge ki Fund A aur Fund B ke beech mein kya similarity aur kya difference hai aur aapko kya seekhne milegi.
[VERDICT]| Parameter | ASBI Focused Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.11 |
| Sharpe Ratio | 0.88 | 3.91 |
| 1 Year Return (%) | 12.11% | 6.17% |
| 3 Year Return (%) | 18.13% | 6.93% |
| 5 Year Return (%) | 15.02% | 6.11% |
| Since Launch (%) | 15.63% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ek Multi Cap fund hai jo short-term aur long-term mein risk lene ko taiyar hai. Lekin iski expense ratio 1.47% hai, jo thoda adhik hai. Fund B ek Liquid fund hai jo low-risk hai aur expense ratio 0.12% hai, jo bahut kam hai. Haan, Fund B ka 3Y return bhi 6.93% hai, jo choti si hai. Lekin Fund B ka consistency aur risk-adjusted returns ka hisaab karein to Fund B hi bata raha hai ki iski performance Fund A se achhi hai.
[SIP_SUITABILITY]Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Haan, SIP suitability ke liye hum aapko batayenge ki Fund A ya Fund B aapke liye behtar hai. Fund A ka 3Y return 18.13% hai, jo bahut achha hai. Lekin Fund A ka riskometer bhi Very High hai, jo aapko chinta deta hai. Fund B ka 3Y return 6.93% hai, jo choti si hai, lekin Fund B ka riskometer Low hai, jo aapke liye suraksha hai. Dekho, aapke liye Fund B hi behtar hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Haan, riskometer, volatility, Sharpe ratio, aur expense ratio ka hisaab karein to Fund B hi bata raha hai ki iski performance Fund A se achhi hai. Fund B ka riskometer Low hai, jo aapke liye suraksha hai. Fund B ka volatility 0.11 hai, jo bahut kam hai. Lekin Fund A ka Sharpe ratio 0.88 hai, jo thoda kam hai. Fund B ka expense ratio 0.12% hai, jo bahut kam hai. Haan, Fund B hi bata raha hai ki iski performance Fund A se achhi hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ka hisaab karein to Fund A hi bata raha hai ki iski portfolio Fund B se vishesh hai. Fund A ka Equity 76.29% hai, jo bahut adhik hai. Lekin Fund A ka Foreign Equity 14.88% hai, jo bahut kam hai. Fund B ka T-Bills 65.00% hai, jo bahut adhik hai. Lekin Fund B ka CD aur CP 30.00% hai, jo bahut kam hai. Haan, Fund A ki portfolio Fund B se vishesh hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Groww 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?
Sach ye hai, Fund A ka 5Y return 15.02% hai, jo Fund B ka 5Y return 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka riskometer Very High hai, lekin Fund A ka Sharpe ratio 0.88 hai, jo Fund B ka Sharpe ratio 3.91 se kam hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 1.47% se kam 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