SBI Focused Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
18.13%
3Y Return
6.96%
Aapke paas do alag-alag paise kamane wale funds hain, Fund A aur Fund B. Fund A ek Multi Cap fund hai jiska naam SBI Focused Fund hai, jabki Fund B ek Liquid fund hai jiska naam Nippon India Liquid Fund hai. Dekho aaj hum donon funds ko compare karenge aur dekhenge ki kaun se fund aapke liye better hai.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Multi Cap | Liquid |
| NAV (₹) | 432.21 | 6813.87 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.2% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.12 |
| Sharpe Ratio | 0.88 | 3.83 |
| 1 Year Return (%) | 12.11% | 6.21% |
| 3 Year Return (%) | 18.13% | 6.96% |
| 5 Year Return (%) | 15.02% | 6.14% |
| Since Launch (%) | 15.63% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 45% | 260% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ki tarah aap ek Multi Cap fund mein lagat karte hue long-term wealth creation ke liye better option hain. Iska karan hai fund ki 3-year return, expense ratio, aur riskometer. Fund A ka 3-year return 18.13% hai, expense ratio 1.47% hai, aur riskometer Very High hai. Yeh sab factors Fund A ko long-term wealth creation ke liye better fund banate 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
SIP ke maamle mein, Fund B aapke liye better option hain. Iska karan hai fund ki consistency aur return stability. Fund B ka 1-year return 6.21% hai, 3-year return 6.96% hai, aur 5-year return 6.14% hai. Yeh sab factors Fund B ko SIP ke liye better fund banate hain.
⚠️ Risk & Cost Analysis
Fund A aur Fund B ke riske aur kharchon ko compare karne par, hum dekh sakte hain ki Fund A ka riskometer Very High hai, volatility 13.25 hai, aur Sharpe ratio 0.88 hai. Jabki Fund B ka riskometer Low hai, volatility 0.12 hai, aur Sharpe ratio 3.83 hai. Isiliye, Fund B aapke liye better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Fund A aur Fund B ke portfolio diversification ko compare karne par, hum dekh sakte hain ki Fund A ka asset allocation jaisa hai: Equity 76.29%, Forgn. Eq 14.88%, Debenture 0.74%, aur T-Bills 0.16%. Jabki Fund B ka asset allocation jaisa hai: CP 50.93%, CD 33.36%, T-Bills 12.23%, Debenture 0.79%, SDL 0.12%, aur Debt 0.08%. Isiliye, Fund B ka asset allocation Fund A ki tulna mein thoda hi diversified hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@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 ki Fund A ka 5-year return 15.02% hai, jabki Fund B ka 5-year return 6.14% hai. Isiliye, Fund A aapke liye better long-term returns offer karta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility 13.25 hai, jabki Fund B ki volatility 0.12 hai. Lekin Fund A ka Sharpe ratio 0.88 hai, jabki Fund B ka Sharpe ratio 3.83 hai. Isiliye, Fund B aapke liye better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B ka expense ratio 0.2% hai, jabki Fund A ka expense ratio 1.47% hai. Isiliye, Fund B aapke liye more 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