SBI Liquid Fund vs Aditya Birla Sun Life Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.14%
Dekho, hum aaj do funds ke beech ka comparison karne ja rhe hain. Ye dono funds Indian investors ke liye suitable hain lekin kya hoga agar tum ek long-term investment strategy ke liye sochte ho. Let's see kya hoga.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAditya Birla Sun Life Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 1009.42 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.61 |
| Sharpe Ratio | 3.25 | 0.61 |
| 1 Year Return (%) | 6.15% | 2.72% |
| 3 Year Return (%) | 6.89% | 14.14% |
| 5 Year Return (%) | 6.09% | 10.5% |
| Since Launch (%) | 6.79% | 14.49% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 260% | 29% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye humein ek stable fund chahiye jo aam taur par thoda sa higher risk lene ke liye taiyar ho. Fund A ka 3Y return 6.89% hai, expense ratio 0.12% hai aur riskometer low hai. Fund B ka 3Y return 14.14% hai lekin riskometer very high hai aur expense ratio 0.52% hai. Haan, Fund A better hai.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Aditya Birla Sun Life Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.14%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
SIP Suitability ka matlab hai ki fund konsa hai jo 10+ saal ke liye monthly SIP ke liye suitable hai. Dekho, Fund A ka 3Y return stable hai aur expense ratio thoda sa lower hai. Fund B ka return thoda sa higher hai lekin riskometer bahut high hai. Chaliye, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye humein Fund A aur Fund B ka comparison karna hoga. Fund A ka riskometer low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai, aur expense ratio 0.12% hai. Fund B ka riskometer very high hai, volatility 12.61 hai, Sharpe ratio 0.61 hai, aur expense ratio 0.52% hai. Haan, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye humein Fund A aur Fund B ka comparison karna hoga. Fund A ka asset allocation T-Bills (65%), CD (20%), CP (10%), aur Cash (5%) hai. Fund B ka asset allocation Equity (96%) aur T-Bills (4%) hai. Chaliye, Fund A ka portfolio diversification better hai lekin sector risk hai. Fund B ka portfolio concentration higher hai lekin sector risk lower hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Aditya Birla Sun Life Large Cap Fund
₹1321695.07
@14.1% 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 ka 5Y return 6.09% hai aur Fund B ka 5Y return 10.5% hai. Haan, Fund B better returns deta hai lekin riskometer very high hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 12.61 hai lekin Sharpe ratio 0.61 hai. Fund A ka volatility 0.12 hai aur Sharpe ratio 3.25 hai. Chaliye, Fund A better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai aur Fund B ka expense ratio 0.52% hai. Haan, Fund A 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