SBI Focused Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.97%
Dekho, aapke paas do aise funds hain jo Indian investors ke liye bahut hi achhe hain. Fund A, SBI Focused Fund, ek Multi Cap fund hai jisne 3 saal mein 18.13% return diya hai, lekin yeh fund bahut jyada risk waala hai. Fund B, JM Financial Liquid Fund, ek Liquid Fund hai jisne 6.97% return diya hai, lekin yeh fund bahut kam risk waala hai. Chaliye, aaj hum dono funds ka comparison karte hain.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 363.19 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.12 |
| Sharpe Ratio | 0.88 | 3.92 |
| 1 Year Return (%) | 12.11% | 6.21% |
| 3 Year Return (%) | 18.13% | 6.97% |
| 5 Year Return (%) | 15.02% | 6.16% |
| Since Launch (%) | 15.63% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, dono funds mein kuchh aise factors hain jo aapko fund choosen karne mein madad karenge. SBI Focused Fund ke 3Y return aur expense ratio dono alag hain, lekin yeh fund bahut jyada risk waala hai. Isliye, agar aap long-term wealth creation ke liye fund invest karna chahte hain, to SBI Focused Fund aapke liye achha fund 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
SIP suitability ke liye hum dono funds ki consistency aur return stability ko compare karenge. SBI Focused Fund ka 5Y return Fund B se zyada hai, lekin yeh fund bahut jyada risk waala hai. Isliye, agar aap monthly SIP ke liye fund invest karna chahte hain, to Fund B aapke liye accha fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke liye hum dono funds ko compare karenge. SBI Focused Fund ka riskometer bahut jyada hai, lekin yeh fund bahut jyada returns diya hai. Isliye, agar aap risk-adjusted returns lekar fund invest karna chahte hain, to SBI Focused Fund aapke liye accha fund hai.
📊 Portfolio Diversification
Asset allocation ke liye hum dono funds ko compare karenge. SBI Focused Fund ka asset allocation bahut jyada diversified hai, lekin yeh fund bahut jyada risk waala hai. Isliye, agar aap portfolio diversification ke liye fund invest karna chahte hain, to Fund B aapke liye accha fund hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% 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?
Sach ye hai, SBI Focused Fund ka 5Y return 15.02% hai, jissey yeh fund Fund B se zyada accha hai.
Q2: Is the higher risk fund worth it?
Haan, SBI Focused Fund ka higher risk risk-adjusted returns deta hai. Sharpe ratio 0.88 hai, jissey yeh fund Fund B se zyada accha hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jissey yeh fund Fund A se kam 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