SBI Focused Fund vs Invesco 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%
Hum aapke paas do alag-alag type ke mutual funds hain, SBI Focused Fund aur Invesco Liquid Fund. Dekho, SBI Focused Fund ek multi-cap fund hai, jo apne vastu utpaadon mein bahut jatil hai, jabki Invesco Liquid Fund ek liquid fund hai, jo apne vastu utpaadon mein bahut kam jatil hai. Aaj hum aapko bataenge ki kis fund mein nivesh karna hai. Haan, hum aapko fund B se fund A ki tulna karenge.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Invesco Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 3819.94 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.13 |
| Sharpe Ratio | 0.88 | 3.31 |
| 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% | 6.82% |
| 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) | Amit Ganatra (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% | 269% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki fund A, SBI Focused Fund ki 3 saal ki return 18.13% hai, jo bahut achhi hai. Lekin, expense ratio 1.47% hai, jo thodi zyada hai. Fund B, Invesco Liquid Fund ki 3 saal ki return 6.93% hai, jo kam hai lekin expense ratio 0.12% hai, jo bahut kam hai. Haan, hum fund A ko better fund ke roop mein dekhte hain.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund B, Invesco Liquid Fund thoda behtar hai. Iska karan hai ki yeh fund bahut kam jatil hai, jisse investment ki stability badh jaati hai. Lekin, fund A bhi ek achha option hai, jiske liye aapko 10+ saal ke liye SIP karna hoga.
⚠️ Risk & Cost Analysis
Riskometer ke anusaar, fund A ka risk very high hai, jabki fund B ka risk low hai. Lekin, Sharpe ratio ke anusaar, fund B ka risk-adjusted return bahut achha hai. Haan, expense ratio ke anusaar, fund B thoda cost-effective hai.
📊 Portfolio Diversification
Fund B ka asset allocation bahut kam jatil hai, jiske liye yeh fund portfolio diversification ka achha udaaharan hai. Lekin, fund A ka asset allocation bahut jatil hai, jisse yeh fund sector risk par dhyan dena padta hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Invesco 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 ki fund A ki 5 saal ki return 15.02% hai, jo fund B ki 5 saal ki return 6.11% se bada hai. Haan, fund A bahut achhe returns deti hai.
Q2: Is the higher risk fund worth it?
Haan, fund A ka volatility 13.25 hai, jo fund B ke volatility 0.13 se bahut zyada hai. Lekin, Sharpe ratio ke anusaar, fund B ka risk-adjusted return bahut achha hai. To, aapko fund B par dhyan dena chahiye.
Q3: Which fund is more cost-effective?
Sach ye hai ki fund B ka expense ratio 0.12% hai, jo fund A ka expense ratio 1.47% se kam hai. Haan, fund B thoda 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