SBI Liquid Fund vs Angel One Mutual Fund Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.96%
Haan, dekho, today we're comparing two funds from different categories – Liquid Fund and Mid Cap Fund. Fund A is SBI Liquid Fund - Direct Plan - Growth, while Fund B is Angel One Mutual Fund Mid Cap Fund - Regular Plan - Growth. We'll find out which one is better for long-term wealth creation and which one is more suitable for a SIP (Systematic Investment Plan).
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Mid Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Mid Cap |
| NAV (₹) | 4351.16 | 116.77 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.55 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.75% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.85 |
| Sharpe Ratio | 3.25 | 0.44 |
| 1 Year Return (%) | 6.15% | -1.93% |
| 3 Year Return (%) | 6.89% | 12.96% |
| 5 Year Return (%) | 6.09% | 12.33% |
| Since Launch (%) | 6.79% | 10.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Voltas Ltd. (3.8%), Mphasis Ltd. (3.5%), Coforge Ltd. (3.2%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 94.00% | T-Bills: 6.00% |
| Portfolio Turnover | 260% | 25% |
🤖 AI Verdict – Which is Better?
Haan, ismein ek clear winner hai - SBI Liquid Fund. Yeh fund apne 3-year return mein 6.89% ka return pradan karta hai, jahan tak keh Angel One Mutual Fund Mid Cap Fund ke 3-year return 12.96% ka hai lekin yeh fund bahut jyada risk pradan karta hai. Expense ratio bhi SBI Liquid Fund ke liye 0.12% hai, jahan tak keh Angel One Mutual Fund Mid Cap Fund ke expense ratio 1.75% hai.
Sach ye hai, SBI Liquid Fund apne long-term wealth creation ke liye ek achcha vikalp hai, lekin yadi aapko bade return pradan karne ke liye risk le sakne hain, to Angel One Mutual Fund Mid Cap Fund ek achcha vikalp hai. Lekin yeh dhyan rakhein ki yeh fund bahut jyada risk pradan karta 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 Mid Cap Fund?
- Expense ratio: 1.75%
- 3Y return: 12.96%
- AUM: 1.55 Lac Cr
- Sharpe Ratio: 0.44
📈 SIP Suitability
For a monthly SIP for 10+ years, Fund A is a better option. Dekho, its 3Y return is consistent and stable, while Fund B's return has been more volatile. Haan, Fund A's asset allocation is more balanced, with a mix of T-Bills, CDs, and CPs. Chaliye, for a SIP, Fund A offers better stability and return consistency.
⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, and Sharpe ratio of both funds. Fund A has a low riskometer and a volatility of 0.12, while Fund B has a very high riskometer and a volatility of 14.85. Lekin, Fund A's Sharpe ratio is 3.25, much higher than Fund B's 0.44. Chaliye, considering all these factors, Fund A offers better risk-adjusted returns.
📊 Portfolio Diversification
Let's see how the asset allocation and top holdings concentration compare. Fund A has a more diversified portfolio, with a mix of T-Bills, CDs, and CPs. Haan, its top holdings are also diversified, with a mix of State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills. Fund B, on the other hand, has a more concentrated portfolio, with a majority of its assets in equity. Lekin, its top holdings are also more diversified, with a mix of Voltas Ltd., Mphasis Ltd., and Coforge Ltd. Chaliye, Fund A's portfolio is more diversified.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Angel One Mutual Fund Mid Cap Fund
₹1230435.05
@13.0% 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 gives better returns in the long run. Its 5Y return is 6.09%, while Fund B's 5Y return is 12.33%.
Q2: Is the higher risk fund worth it?
Haan, Fund B is a higher risk fund. Lekin, its volatility is 14.85, which is much higher than Fund A's 0.12. Chaliye, considering the risk, Fund B may not be worth it.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A is more cost-effective. Its expense ratio is 0.12%, while Fund B's expense ratio is 1.75%. Chaliye, Fund A is a better option for cost-conscious investors.
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