SBI Liquid Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.85%
Ek baar phir aapke paas do liquid funds hain jo aapke paas investment ke liye sahi chunav karenge. Sabse pehle dekhiye Fund A: SBI Liquid Fund aur Fund B: Aditya Birla Sun Life Liquid Fund dono ka category hai Liquid. Ye do funds aapke paas long-term wealth creation ke liye sahi hain. Is article mein hum aapko bataenge ki yeh do funds kaise compare karenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Aditya Birla Sun Life |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 443.77 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.25 | 2.69 |
| 1 Year Return (%) | 6.15% | 6.09% |
| 3 Year Return (%) | 6.89% | 6.85% |
| 5 Year Return (%) | 6.09% | 6.05% |
| Since Launch (%) | 6.79% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 April 2006 |
| 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 Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 260% | 279% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko bata sakte hain ki Fund A: SBI Liquid Fund 3Y return, expense ratio, aur risk ke hisaab se thoda sa bhi better fund hai. Fund A ka 3Y return 6.89% hai, lekin expense ratio bhi 0.12% hai. Fund B ka 3Y return 6.85% hai, lekin expense ratio bhi 0.12% hai. Lekin Fund A ka Sharpe ratio 3.25 hai, jo Fund B se thoda sa bhi high hai. Haan, Fund A ek bhi bada fund hai, lekin Fund B ka AUM bhi kam nahi hai. Toh, aisa lagta hai ki Fund A aapke long-term wealth creation ke liye better fund 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Haan, SIP ke liye Fund A aur Fund B kaise suit hain? Fund A ka 1Y return 6.15% hai, lekin Fund B ka 1Y return 6.09% hai. Lekin Fund A ka consistency aur return stability ka hisaab hai. Fund A ka 3Y return aur 5Y return bhi Fund B se thoda sa bhi high hai. Toh, aisa lagta hai ki Fund A aapke monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Haan, riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se hum dekhenge ki konsa fund best hai. Fund A ka riskometer Low hai, lekin volatility 0.12 hai. Fund B ka riskometer bhi Low hai, lekin volatility 0.13 hai. Lekin Fund A ka Sharpe ratio 3.25 hai, jo Fund B se thoda sa bhi high hai. Haan, expense ratio ke hisaab se bhi Fund A better hai, yeh 0.12% hai. Toh, aisa lagta hai ki Fund A aapke risk-adjusted returns ke liye better fund hai.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ke hisaab se hum dekhenge ki konsa fund more diversified hai. Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Fund B ka asset allocation bhi T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Lekin Fund A ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai, jo Fund B se thoda sa bhi kam hai. Toh, aisa lagta hai ki Fund A more diversified fund hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 ka 5Y return 6.09% hai, jo Fund B se thoda sa bhi high hai. Isliye, Fund A aapke long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
No, Fund B ka riskometer aur volatility bhi Fund A se thoda sa bhi high hai. Isliye, Fund B aapke risk-adjusted returns ke liye thoda kam better hai.
Q3: Which fund is more cost-effective?
Haan, Fund A aur Fund B dono expense ratio 0.12% hai. Isliye, dono fund ek hi cost-effective hain.
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