SBI Focused Fund vs Navi 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, chaliye, main aaj aapko Fund A aur Fund B ke beech me kuch khaas baatein dene ja raha hoon. Fund A, SBI Focused Fund, ek Multi Cap fund hai, jabki Fund B, Navi Mutual Fund Liquid Fund, ek Liquid Fund hai. Aaj hum aapko kya aisa fund chunna chahiye, yeh batayenge.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.54 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% | 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% | 285% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye, Fund A hi acha fund hai. Iska 5Y return 15.02% hai, lekin expense ratio 1.47% hai. Fund B ka expense ratio 0.12% hai, lekin 5Y return 6.11% hai. Risks ke maamle mein Fund A zyada riski hai, lekin long-term mein yeh aapko behtar return de sakta 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A hi acha fund hai. Iska 3Y return 18.13% hai, jabki Fund B ka 3Y return 6.93% hai. Fund A ka consistency aur return stability aapko behtar hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke maamle mein, Fund B hi acha fund hai. Iska riskometer Low hai, volatility 0.13% hai, Sharpe ratio 3.31 hai, aur expense ratio 0.12% hai. Fund A ka riskometer Very High hai, volatility 13.25% hai, Sharpe ratio 0.88 hai, aur expense ratio 1.47% hai.
📊 Portfolio Diversification
Asset allocation ke maamle mein, Fund A aur Fund B me bahut fark hai. Fund A ka 76.29% equity hai, 14.88% foreign equity hai, 0.74% debenture hai, aur 0.16% T-Bills hai. Fund B ka 65.00% T-Bills hai, 20.00% CD hai, 10.00% CP hai, aur 5.00% cash hai. Fund A ka asset allocation zyada diversified hai, lekin Fund B ka asset allocation kam diversified hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Navi 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?
Haan, Fund A apne 5Y return ke liye behtar hai, jo 15.02% hai.
Q2: Is the higher risk fund worth it?
Lekin, Fund A ka riskometer Very High hai, lekin iska Sharpe ratio 0.88 hai, jo Fund B ka Sharpe ratio 3.31 se kam hai. Isliye, Fund B aapko behtar risk-adjusted return de sakta hai.
Q3: Which fund is more cost-effective?
Haan, Fund B aapko behtar cost-effectiveness de raha hai, kyonki iska 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