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
19.68%
Chaliye, dekho, main aaj tumse do aise funds ke baare mein bolna hai jo tumhe long-term wealth creation ke liye invest karne ki zaroorat hai. Fund A, SBI Liquid Fund Direct Plan - Growth hai, jo Liquid category mein hai. Fund B, Axis Bluechip Fund Regular Plan - Growth hai, jo Large Cap category mein hai. Aaj hum unke beech ka comparison karenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAxis Bluechip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 18.82 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.45 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.34 |
| Sharpe Ratio | 3.25 | 1.16 |
| 1 Year Return (%) | 6.15% | 4.44% |
| 3 Year Return (%) | 6.89% | 19.68% |
| 5 Year Return (%) | 6.09% | 5.62% |
| Since Launch (%) | 6.79% | 14.6% |
| 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?
Haan, Fund A SBI Liquid Fund Direct Plan - Growth hai, jo long-term wealth creation ke liye better hai. Yeh 3Y return mein 6.89% hai, expense ratio 0.12% hai, aur riskometer Low hai. Fund B Axis Bluechip Fund Regular Plan - Growth ka 3Y return 19.68% hai, lekin expense ratio 1.52% hai aur riskometer Very High hai. Dekho, Fund A ka riskometer Fund B ka riskometer se kam hai, aur expense ratio bhi kam hai. Isliye, Fund A long-term wealth creation 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 Axis Bluechip Fund?
- Expense ratio: 1.52%
- 3Y return: 19.68%
- AUM: 3.45 Lac Cr
- Sharpe Ratio: 1.16
📈 SIP Suitability
Chaliye, sip ke liye Fund A kya hai? Fund A ka 1Y return 6.15% hai, lekin Fund B ka 1Y return 4.44% hai. Dekho, Fund A ka 1Y return Fund B ka 1Y return se 1.71% jada hai. Isliye, Fund A sip ke liye better hai. Haan, Fund A ka consistency bhi Fund B ke saman hai, kyunki dono funds mein 3Y aur 5Y return mein bahut kam difference hai. Isliye, Fund A sip ke liye accha hai.
⚠️ Risk & Cost Analysis
Leukin, riskometer aur volatility ke baare mein dekhte hain. Fund A ka riskometer Low hai, lekin Fund B ka riskometer Very High hai. Dekho, Fund A ka volatility 0.12 hai, lekin Fund B ka volatility 11.34 hai. Isliye, Fund A ka riskometer Fund B ka riskometer se kam hai, aur volatility bhi kam hai. Sharpe ratio ke baare mein dekhte hain, to Fund A ka Sharpe ratio 3.25 hai, lekin Fund B ka Sharpe ratio 1.16 hai. Isliye, Fund A ka Sharpe ratio Fund B ka Sharpe ratio se jada hai. Expense ratio ke baare mein dekhte hain, to Fund A ka expense ratio 0.12% hai, lekin Fund B ka expense ratio 1.52% hai. Isliye, Fund A ka expense ratio Fund B ka expense ratio se kam hai.
📊 Portfolio Diversification
Portfolio diversification ke baare mein dekhte hain. Fund A ka asset allocation Liquid category ke liye hai, jismein T-Bills 65%, CD 20%, CP 10%, aur Cash 5% hai. Fund B ka asset allocation Large Cap category ke liye hai, jismein Equity 96% aur T-Bills 4% hai. Dekho, Fund A ka asset allocation Fund B ka asset allocation se kam diversified hai. Top holdings concentration ke baare mein dekhte hain, to Fund A ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B ka top 3 holdings HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hai. Isliye, Fund B ka top holdings concentration Fund A ka top holdings concentration se jada hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Axis Bluechip Fund
₹1872598.46
@19.7% 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, Fund A ka 5Y return 6.09% hai, jabki Fund B ka 5Y return 5.62% hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin uska volatility 11.34 hai, jabki Fund A ka volatility 0.12 hai. Sharpe ratio ke baare mein dekhte hain, to Fund A ka Sharpe ratio 3.25 hai, jabki Fund B ka Sharpe ratio 1.16 hai. Isliye, Fund A ka Sharpe ratio Fund B ka Sharpe ratio se jada hai. To, Fund A higher risk fund se better hai.
Q3: Which fund is more cost-effective?
Expense ratio ke baare mein dekhte hain, to Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.52% hai. Isliye, Fund A more 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