SBI Liquid Fund vs Angel One Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.7%
Ab aapko do funds ke beech ka aayojan sunane ja raha hai. Fund A SBI Liquid Fund Direct Plan Growth hai, jo liquidity category mein aata hai, jabki Fund B Angel One Mutual Fund Multi Cap Fund Regular Plan Growth hai, jo Multi Cap category mein aata hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 8.38 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.86 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.4 |
| Sharpe Ratio | 3.25 | 1.52 |
| 1 Year Return (%) | 6.15% | -11.42% |
| 3 Year Return (%) | 6.89% | 12.7% |
| 5 Year Return (%) | 6.09% | 7.44% |
| Since Launch (%) | 6.79% | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 6 November 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 260% | 32% |
🤖 AI Verdict – Which is Better?
Sabse pehle, aapko pata hai ki kis fund ki long-term wealth creation hai. 3Y return, expense ratio, aur risk ke based par hum kaha sakte hai ki Fund A hai bhi aur bhi achha option. Iska 3Y return 6.89% hai, expense ratio 0.12% hai, aur riskometer low hai. Ye sab Fund A ko aisa fund banana hai jiska long-term return stable aur aasaan 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 12.7%
- AUM: 1.86 Lac Cr
- Sharpe Ratio: 1.52
📈 SIP Suitability
A monthly SIP ke liye, hum invest karne wale ko consistency aur return stability ki zaroorat hai. Fund A ki 1Y return 6.15% hai, jo Fund B ki -11.42% se kam hai. Lekin Fund A ki volatility 0.12 hai, jo Fund B ki 13.4 se kam hai. Isliye, humein lagta hai ki Fund A ek monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke beech ki comparison karenge. Fund A ka riskometer low hai, jo 0.12% ki volatility hai. Sharpe ratio 3.25 hai, jo Fund B se bahut alag hai. Fund B ka riskometer very high hai, jo 13.4% ki volatility hai. Sharpe ratio 1.52 hai, jo bhi kam hai. Isliye, Fund A aapke liye aasaan aur risk-adjusted return dene wali fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mulakan par, hum dekh sakte hain ki Fund A ka asset allocation T-Bills, CD, CP, aur cash mein hota hai. Fund B ka asset allocation equity aur T-Bills mein hota hai. Top holdings concentration mein bhi Fund A ka concentration low hai, jabki Fund B ka high hai. Isliye, humein lagta hai ki Fund A portfolio diversification mein better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Angel One Mutual Fund Multi Cap Fund
₹1211348.26
@12.7% 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 ki 5Y return 6.09% hai, jo Fund B ki 7.44% se kam hai, lekin Fund A ki 3Y return 6.89% hai, jo Fund B ki 12.7% se kam hai. Isliye, humein lagta hai ki Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Volatility aur sharpe ratio ke mulakan par, hum dekh sakte hain ki Fund B ki volatility 13.4 hai, jo Fund A ki 0.12 se kam hai, lekin Fund B ka sharpe ratio 1.52 hai, jo Fund A ka 3.25 se kam hai. Isliye, humein lagta hai ki Fund B higher risk fund nahin hai.
Q3: Which fund is more cost-effective?
Expense ratio ke mulakan par, hum dekh sakte hain ki Fund A ka expense ratio 0.12% hai, jo Fund B ki 1.68% se kam hai. Isliye, humein lagta hai ki 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