SBI Liquid Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.76%
Today, we're comparing two popular liquid funds in India: SBI Liquid Fund - Direct Plan - Growth and Angel One Mutual Fund Liquid Fund - Direct Plan - Growth. Dekho, both funds are categorized under Liquid, which means they're suitable for short-term investments or parking excess funds. In this article, we'll compare their performance, risk, and cost to help you decide which fund is better for you.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 2132.04 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 2.36 |
| 1 Year Return (%) | 6.15% | 6.03% |
| 3 Year Return (%) | 6.89% | 6.76% |
| 5 Year Return (%) | 6.09% | 5.95% |
| Since Launch (%) | 6.79% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
Aapke liye, the best fund for long-term wealth creation is SBI Liquid Fund - Direct Plan - Growth. Chaliye, let's see why. Its 3Y return is higher (6.89%) compared to Angel One Mutual Fund Liquid Fund (6.76%), and its expense ratio is also lower (0.12% vs 0.12%). With a riskometer of Low, it's a safer bet for long-term investors like you.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
For a monthly SIP of 10+ years, SBI Liquid Fund - Direct Plan - Growth is a better choice. Haan, its consistency and return stability are higher compared to Angel One Mutual Fund Liquid Fund. Dekho, the 1Y return of SBI Liquid Fund is 6.15%, while Angel One Mutual Fund Liquid Fund's 1Y return is 6.03%. With a Sharpe ratio of 3.25, SBI Liquid Fund offers better risk-adjusted returns.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Sach ye hai, SBI Liquid Fund - Direct Plan - Growth has a lower volatility (0.12) compared to Angel One Mutual Fund Liquid Fund (0.11). With a Sharpe ratio of 3.25, it's a clear winner in terms of risk-adjusted returns. Plus, its expense ratio is the same as Angel One Mutual Fund Liquid Fund (0.12%).
📊 Portfolio Diversification
Asset allocation is key to diversification. Dekho, both funds have a similar asset allocation: T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, and Cash: 5.00%. Lekin, the top holdings concentration is different. SBI Liquid Fund - Direct Plan - Growth has a higher concentration of State Bank of India CD (8.5%), HDFC Bank CD (7.2%), and Reliance Industries T-Bills (6.8%). Angel One Mutual Fund Liquid Fund also has the same top holdings. So, neither fund has a high sector risk.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
SBI Liquid Fund - Direct Plan - Growth gives better returns in the long run, with a 5Y return of 6.09% compared to Angel One Mutual Fund Liquid Fund's 5Y return of 5.95%.
Q2: Is the higher risk fund worth it?
No, Angel One Mutual Fund Liquid Fund is not worth the higher risk. Its volatility is higher than SBI Liquid Fund, and its Sharpe ratio is lower. So, it's not a good choice for risk-averse investors.
Q3: Which fund is more cost-effective?
SBI Liquid Fund - Direct Plan - Growth and Angel One Mutual Fund Liquid Fund have the same expense ratio (0.12%). So, neither fund is more cost-effective than the other.
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