SBI Liquid Fund vs Axis Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
21.36%
Ab yahaan hum dekhenge SBI Liquid Fund aur Axis Bluechip Fund ki tulna, jo ki Liquid aur Large Cap categories mein aate hain. Yahaan humein pata chalega ki aapke paise ki suraksha aur vridhisiddhi dono fundon mein kaise hoti hai. Dekho, kya Fund A yahaan aage badh sakta hai, ya phir Fund B.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAxis Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 20.09 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.45 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.32 |
| Sharpe Ratio | 3.25 | 1.31 |
| 1 Year Return (%) | 6.15% | 5.85% |
| 3 Year Return (%) | 6.89% | 21.36% |
| 5 Year Return (%) | 6.09% | 5.92% |
| Since Launch (%) | 6.79% | 16.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 28 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Ashish Naik; Shreyash Devalkar (7.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 260% | 16% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, Axis Bluechip Fund, long-term vridhisiddhi ke liye aage badh sakta hai kyonki yeh 3Y return mein 21.36% ka return karta hai, jabki Fund A, SBI Liquid Fund ka 3Y return 6.89% hai. Lekin, expense ratio ke liye Fund A 0.12% ka cost hai, jo ki Fund B ke 0.52% se kam hai. Haan, Fund B ka riskometer very high hai, lekin yeh aapki suraksha aur vridhisiddhi dono ke liye aage badh sakta hai, yadi aap long-term investor hain.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Axis Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 21.36%
- AUM: 3.45 Lac Cr
- Sharpe Ratio: 1.31
📈 SIP Suitability
SIP ke liye Fund A, SBI Liquid Fund, better hai kyonki yeh consistency aur return stability ke liye aage badhta hai. Fund B ka volatility 11.32 hai, jo ki Fund A ke 0.12 se kam hai. Haan, Fund A ka riskometer low hai, lekin yeh aapke monthly SIP ke liye accha fund hai, kyonki yeh return stability aur consistency ke liye aage badhta hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye Fund A, SBI Liquid Fund, better hai kyonki yeh low riskometer aur low volatility ke saath aage badhta hai. Fund B ka riskometer very high hai, lekin yeh aapki suraksha aur vridhisiddhi dono ke liye aage badh sakta hai, yadi aap long-term investor hain. Sharpe ratio ke liye Fund A 3.25 ka sharpe ratio hai, jo ki Fund B ke 1.31 se zyada hai. Expense ratio ke liye Fund A 0.12% ka cost hai, jo ki Fund B ke 0.52% se kam hai.
📊 Portfolio Diversification
Asset allocation ke liye Fund A, SBI Liquid Fund, better hai kyonki yeh T-Bills, CD aur CP mein asset allocation karta hai. Fund B ka asset allocation equity aur T-Bills mein hota hai, jo ki Fund A ke asset allocation se alag hai. Top holdings concentration ke liye Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai, jo ki Fund B ke top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. se alag hain.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Axis Bluechip Fund
₹2089333.11
@21.4% 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?
Fund B, Axis Bluechip Fund, long-term vridhisiddhi ke liye aage badh sakta hai kyonki yeh 3Y return mein 21.36% ka return karta hai, jabki Fund A, SBI Liquid Fund ka 3Y return 6.89% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer very high hai, lekin yeh aapki suraksha aur vridhisiddhi dono ke liye aage badh sakta hai, yadi aap long-term investor hain. Fund B ka volatility 11.32 hai, jo ki Fund A ke 0.12 se kam hai.
Q3: Which fund is more cost-effective?
Fund A, SBI Liquid Fund, cost-effective hai kyonki yeh expense ratio 0.12% ka cost hai, jo ki Fund B ke 0.52% se kam 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