SBI Liquid Fund vs Angel One Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.3%
Aaj hum aapko Fund A, SBI Liquid Fund aur Fund B, Angel One Mutual Fund Balanced Advantage Fund ke beech ka tarkik samiksha karne jaane waale hain. Dekho, fundon ka category aur tarike ka samajhne ke liye humne yeh do fund aaye hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 4351.16 | 16.39 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.12 | 8.79 |
| Sharpe Ratio | 3.25 | 0.66 |
| 1 Year Return (%) | 6.15% | 3.08% |
| 3 Year Return (%) | 6.89% | 12.3% |
| 5 Year Return (%) | 6.09% | 7.51% |
| Since Launch (%) | 6.79% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 260% | 127% |
🤖 AI Verdict – Which is Better?
Haan, yeh dono fund alag-alag category se hain. Lekin humein yeh pata chalne ki lagta hai ki Fund B, Angel One Mutual Fund Balanced Advantage Fund, apne 3Y return, expense ratio aur risk ke hisaab se long-term sehat aur bhavishya ke liye 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 Angel One Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
Chaliye, SIP ke liye fund ki suvidha ka samajh len. Fund A, SBI Liquid Fund ki consistency aur return stability Fund B se adhik hai. Lekin, yeh fund aapko long-term sehat ke liye thoda kam return deta hai. Dekho, yeh fund SIP ke liye aapke liye sahi hai, lekin Fund B ka tariqa bhi aapke liye sahi ho sakta hai.
⚠️ Risk & Cost Analysis
Ab aapko fund ki riskometer, volatility, Sharpe ratio, aur expense ratio ka samajhna hai. Fund A, SBI Liquid Fund ki riskometer Low hai, lekin Fund B ki Moderately High hai. Lekin, Fund A ki Sharpe ratio Fund B se adhik hai. Dekho, yeh fund aapko risk-adjusted return deta hai, lekin Fund B ka tariqa bhi sahi ho sakta hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund A ki asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai. Iske alawa, Fund B ki asset allocation Equity 65.00%, Debt 30.00%, aur T-Bills 5.00% hai. Haan, top holdings concentration ke liye, Fund A ki top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Iske alawa, Fund B ki Top 3 holdings HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), aur Reliance Industries Ltd. (4.5%) hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Angel One Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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, SBI Liquid Fund ki 5Y return Fund B se adhik hai, lekin Fund B ki 3Y return adhik hai. Lekin, humein lagta hai ki Fund B ki long-term returns Fund A se adhik hain.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke hisaab se, Fund B ki risk ki talaash hai. Lekin, Fund A ki volatility Fund B se kam hai, lekin Sharpe ratio Fund B se kam hai. Lekin, Fund B ka tariqa bhi sahi ho sakta hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se, Fund A, SBI Liquid Fund adhik cost-effective hai. Lekin, Fund B ka tariqa bhi sahi ho sakta 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