SBI Focused Fund vs Kotak Mahindra 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%
Chaliye, let's start with Fund A, SBI Focused Fund, which is a Multi Cap fund, while Fund B, Kotak Mahindra Liquid Fund, is a Liquid Fund. Dekho, in this comparison, we'll see how these two funds fare in terms of returns, risk, and expense ratio. Lekin, in this write-up, we'll focus on Fund A's returns and risk profile, while discussing the merits of Fund B as a liquid fund.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.18 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Haan, after analyzing the data, we can see that Fund A offers higher returns in the long run, with a 5Y return of 15.02% compared to Fund B's 6.11%. Lekin, it's essential to consider the risk factor, and Fund A's riskometer is Very High, which might not be suitable for all investors. Dekho, considering the expense ratio, Fund B is a more cost-effective option, with an expense ratio of 0.12% compared to Fund A's 1.47%. Sach ye hai, based on these factors, we can conclude that Fund B is a better option for long-term wealth creation.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, let's analyze the consistency and return stability of both funds. Dekho, over the 3Y period, Fund A offers a return of 18.13%, while Fund B provides a return of 6.93%. Haan, this suggests that Fund A is more suitable for a long-term SIP, as it provides higher returns with a lower risk profile compared to Fund B.
⚠️ Risk & Cost Analysis
Sach ye hai, let's compare the riskometer, volatility, and Sharpe ratio of both funds. Fund A has a riskometer of Very High, while Fund B has a riskometer of Low. Dekho, the Sharpe ratio of Fund B is 3.91, while Fund A's Sharpe ratio is 0.88. Haan, this suggests that Fund B offers better risk-adjusted returns compared to Fund A. Lekin, considering the expense ratio, Fund B is a more cost-effective option.
📊 Portfolio Diversification
Chaliye, let's analyze the asset allocation and top holdings concentration of both funds. Dekho, Fund A has an asset allocation of 76.29% in Equity, while Fund B has an asset allocation of 65% in T-Bills and 20% in CD. Haan, this suggests that Fund A has a higher concentration in Equity, which might increase its risk profile. Lekin, Fund B's diversified asset allocation makes it a more stable option.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Kotak Mahindra 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?
Based on 5Y/3Y returns, Fund A offers a higher return of 15.02% compared to Fund B's 6.11%.
Q2: Is the higher risk fund worth it?
Considering the volatility and Sharpe ratio, Fund B offers better risk-adjusted returns compared to Fund A.
Q3: Which fund is more cost-effective?
Based on the expense ratio, Fund B is a more cost-effective option, with an expense ratio of 0.12% compared to Fund A's 1.47%.
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