SBI Focused Fund vs Tata 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%
Ab yeh dono funds kya hain? Fund A, SBI Focused Fund Direct Plan Growth ek Multi Cap fund hai, jabki Fund B, Tata Mutual Fund Liquid Fund Direct Plan Growth ek Liquid fund hai. Aaj hum in dono funds ki tulna karenge aur dekhein ki kis fund mein long-term wealth creation ke liye better hai.
| Parameter | ASBI Focused Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 432.21 | 5622.79 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.50 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A ki 3Y return 18.13% hai, jo Fund B ki 6.93% se badh kar hai. Lekin, Fund A ki expense ratio 1.47% hai, jo Fund B ki 0.12% se adhik hai. Aur, Fund A ki riskometer Very High hai, jabki Fund B ki Low hai. Haan, isliye hum kaheinge ki Fund B better hai long-term wealth creation ke liye.
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
Why consider Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP suitabiltiy ke liye, Fund B better hai. Fund B ki consistency aur return stability donon kam se kam hai. Fund B ki 1Y return 6.17% hai, jo Fund A ki 12.11% se kam hai, lekin Fund B ki 3Y return 6.93% hai, jo Fund A ki 18.13% se kam hai. Chaliye, Fund B ek better SIP investment hoga.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke hisab se, Fund B better hai. Fund B ki riskometer Low hai, jiski volatility 0.13 hai. Sharpe ratio ke hisab se, Fund B ka 3.31 hai, jo Fund A ka 0.88 se adhik hai. Aur, expense ratio ke hisab se, Fund B ka 0.12% hai, jo Fund A ka 1.47% se kam hai. Haan, isliye Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A better hai. Fund A ki equity allocation 76.29% hai, jabki Foreign Equity 14.88% hai. Aur, Fund B ki asset allocation T-Bills, CD aur CP mein hai. Top holdings ke hisab se, Fund A ki top 3 holdings Alphabet Inc Class A, State Bank of India aur ICICI Bank Ltd. hain. Fund B ki top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hain. Haan, isliye Fund A better portfolio diversification deta hai.
SIP Calculator – Compare Growth Potential
SBI Focused Fund
₹1695258.29
@18.1% annual return (3Y)
Tata 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, Fund A ki 5Y return 15.02% hai, jo Fund B ki 6.11% se badh kar hai. Lekin, Fund B ki 3Y return 6.93% hai, jo Fund A ki 18.13% se kam hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund A ki volatility 13.25 hai, jo Fund B ki 0.13 se adhik hai. Lekin, Fund A ka Sharpe ratio 0.88 hai, jo Fund B ka 3.31 se kam hai. Haan, isliye Fund B better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ka expense ratio 0.12% hai, jo Fund A ka 1.47% se kam hai. Haan, isliye Fund B better 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