SBI Focused Fund vs Quantum 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
6.56%
Agar aapko koi bhi investment fund chunna hai, toh ye sabse pehle fund category ka dhyan rakhna chahiye. Fund A, SBI Focused Fund, ek Multi Cap fund hai, jabki Fund B, Quantum Mutual Fund Liquid Fund, ek Liquid Fund hai. Is article mein hum aapko Fund A aur Fund B ke beech ka comparison karne ja rahe hain aur aapko pata lagayenge ki kis fund ki better hai long-term wealth creation ke liye.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 37.04 |
| AUM (₹ Cr) | 4.60 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 1.47% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.25 | 0.11 |
| Sharpe Ratio | 0.88 | 0.55 |
| 1 Year Return (%) | 12.11% | 5.71% |
| 3 Year Return (%) | 18.13% | 6.56% |
| 5 Year Return (%) | 15.02% | 5.82% |
| Since Launch (%) | 15.63% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 years yrs) | Atul Kumar (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% | 231% |
🤖 AI Verdict – Which is Better?
Chaliye, hum Fund A aur Fund B ke beech ka comparison karte hain. Fund A ka 3Y return hai 18.13%, jo Fund B ka 6.56% se bahut adhik hai. Expense ratio mein bhi Fund A 1.47% hai, jabki Fund B 0.12% hai, jisse Fund B adhik cost-effective hai. Riskometer ke hisaab se, Fund A Very High risk hai, jabki Fund B Low risk hai. Haan, Fund A ka Sharpe ratio 0.88 hai, jo Fund B ka 0.55 se adhik hai. Lekin, expense ratio aur Riskometer ko dekhte hue, humko lagta hai ki Fund A adhik risk hai, jabki Fund B adhik cost-effective hai. Toh, humka lagta hai ki Fund B aisa fund hai jo long-term wealth creation ke liye better 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 Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
Agar aapko monthly SIP karna hai 10+ saal ke liye, toh humko lagta hai ki Fund B adhik suitable hai. Fund B ka 1Y return 5.71% hai, jo Fund A ka 12.11% se kam hai. Lekin, Fund B ka consistency aur return stability Fund A se adhik hai. Haan, Fund B ka Sharpe ratio 0.55 hai, jo Fund A ka 0.88 se kam hai. Lekin, Fund B ka expense ratio 0.12% hai, jo Fund A ka 1.47% se kam hai. Toh, humka lagta hai ki Fund B adhik suitable hai SIP ke liye.
⚠️ Risk & Cost Analysis
Chaliye, hum Fund A aur Fund B ke Riskometer, Volatility, Sharpe ratio, aur expense ratio ka comparison karte hain. Fund A ka Riskometer Very High hai, jabki Fund B ka Low hai. Lekin, Fund A ka Volatility 13.25 hai, jo Fund B ka 0.11 se adhik hai. Haan, Fund A ka Sharpe ratio 0.88 hai, jo Fund B ka 0.55 se adhik hai. Lekin, Fund A ka expense ratio 1.47% hai, jo Fund B ka 0.12% se adhik hai. Toh, humka lagta hai ki Fund B adhik risk-adjusted returns deta hai.
📊 Portfolio Diversification
Agar aapko portfolio diversification ki chunauti hai, toh humko lagta hai ki Fund B adhik suitable hai. Fund B ka T-Bills, CD, CP, aur Cash mein asset allocation hai 65%, 20%, 10%, aur 5% respectively. Lekin, Fund A ka asset allocation equity, forgn. eq., debenture, aur T-Bills mein hai 76.29%, 14.88%, 0.74%, aur 0.16% respectively. Haan, Fund A ka top 3 holdings Alphabet Inc Class A, State Bank of India, aur ICICI Bank Ltd. hai 11.14%, 6.96%, aur 6.59% respectively. Lekin, Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai 8.5%, 7.2%, aur 6.8% respectively. Toh, humka lagta hai ki Fund B adhik diversified hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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?
Answer: Fund A ka 5Y return 15.02% hai, jo Fund B ka 5.82% se adhik hai. Haan, Fund A ka 3Y return 18.13% hai, jo Fund B ka 6.56% se adhik hai. Toh, humka lagta hai ki Fund A long run mein adhik return deta hai.
Q2: Is the higher risk fund worth it?
Answer: Fund A ka Riskometer Very High hai, jabki Fund B ka Low hai. Lekin, Fund A ka Sharpe ratio 0.88 hai, jo Fund B ka 0.55 se adhik hai. Haan, Fund A ka Volatility 13.25 hai, jo Fund B ka 0.11 se adhik hai. Toh, humka lagta hai ki Fund A adhik risk hai, lekin Fund B adhik cost-effective hai.
Q3: Which fund is more cost-effective?
Answer: Fund B ka expense ratio 0.12% hai, jo Fund A ka 1.47% se kam hai. Haan, Fund B ka Sharpe ratio 0.55 hai, jo Fund A ka 0.88 se kam hai. Lekin, Fund B ka exit load N/A hai, jabki Fund A ka exit load N/A hai. Toh, humka lagta hai ki Fund B adhik 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