SBI Focused Fund vs LIC 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%
Ek baar phir aapke saamne hain do aamchhe funds ke beech ka comparison. Fund A SBI Focused Fund hai jo Multi Cap category mein aata hai, jabki Fund B LIC Mutual Fund Liquid Fund hai jo Liquid Fund category mein aata hai. Is article mein main aapko do funds ke beech ka tarazu lagaunga aur dekhaunga ki kis fund mein aapke paisa lagane ke liye bhaari hain.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.12 |
| Sharpe Ratio | 0.88 | 3.58 |
| 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) | Yogesh 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% | 241% |
🤖 AI Verdict – Which is Better?
Chaliye hum kis fund mein aapke paisa lagane ke liye bhaari hain. Dekho 3Y return, expense ratio, aur risk ke hisaab se Fund B LIC Mutual Fund Liquid Fund hi aapke liye bhaari hai. Iska matlab hai ki Fund B aapko thoda kam jor diya hai aur aapke paisa ke sath sahi se kaam kiya 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Agar aap apne paisa ko monthly SIP ke madhyam se 10+ saal ke liye invest karna chaahte hain, to Fund A SBI Focused Fund aapke liye bhaari hai. Iska matlab hai ki Fund A aapko aapke paisa ke liye thoda jyada return diya hai, lekin expense ratio thoda jyada hai. Chaliye hum iske beech ka tarazu lagaate hain.
⚠️ Risk & Cost Analysis
Ab hum dekhte hain ki Fund A aur Fund B mein kya difference hai risk ke hisaab se. Dekho, Fund A ka riskometer Very High hai, lekin Fund B ka Low hai. Iske alawa, Fund A ka volatility 13.25 hai, jabki Fund B ka 0.12 hai. Sharpe ratio ke hisaab se bhi Fund B aapke liye bhaari hai, kyonki use 3.58 Sharpe ratio mila hai, jabki Fund A ko 0.88 mila hai. Expense ratio ke hisaab se bhi Fund B aapke liye bhaari hai, kyonki use 0.12% expense ratio mila hai, jabki Fund A ko 1.47% mila hai.
📊 Portfolio Diversification
Ab hum dekhte hain ki Fund A aur Fund B mein kya difference hai asset allocation ke hisaab se. Fund A ka asset allocation Equity mein 76.29% hai, jabki Fund B ka T-Bills mein 65.00% hai. Iske alawa, Fund A ka asset allocation Forgn. Eq mein 14.88% hai, jabki Fund B ka CD mein 20.00% hai. Top holdings ke hisaab se bhi Fund A aapke liye bhaari hai, kyonki use Alphabet Inc Class A mein 11.14% investment hai, jabki Fund B ko State Bank of India CD mein 8.5% investment mila hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
LIC 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 SBI Focused Fund 3Y return mein 18.13% return diya hai, jabki Fund B LIC Mutual Fund Liquid Fund ne 6.93% return diya hai. Iske alawa, 5Y return ke hisaab se bhi Fund A aapke liye bhaari hai, kyonki use 15.02% return mila hai, jabki Fund B ko 6.11% return mila hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A SBI Focused Fund aapke liye bhaari hai, kyonki use 0.88 Sharpe ratio mila hai, jabki Fund B ko 3.58 Sharpe ratio mila hai. Iske alawa, Fund A ka volatility 13.25 hai, jabki Fund B ka 0.12 hai. Iske liye fund A aapke liye bhaari hai.
Q3: Which fund is more cost‑effective?
Sach ye hai ki Fund B LIC Mutual Fund Liquid Fund aapke liye bhaari hai, kyonki use 0.12% expense ratio mila hai, jabki Fund A ko 1.47% mila hai. Iske liye Fund B aapke liye bhaari 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