SBI Liquid Fund vs Axis ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
11.66%
Aaj hum do fundon ki comparison karenge - SBI Liquid Fund aur Axis ELSS Tax Saver Fund. Ye donon fund different categories mein hain - Liquid aur ELSS. Dekho, kya ye dono fund long-term wealth creation ke liye acche hain?
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAxis ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 4351.16 | 104.77 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.16 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.66% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.4 |
| Sharpe Ratio | 3.25 | 0.39 |
| 1 Year Return (%) | 6.15% | -2.52% |
| 3 Year Return (%) | 6.89% | 11.66% |
| 5 Year Return (%) | 6.09% | 8.43% |
| Since Launch (%) | 6.79% | 15.62% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Ashish Naik; Shreyash Devalkar (2.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | ICICI Bank Ltd. (7.04%), HDFC Bank Ltd. (5.64%), Bharti Airtel Ltd. (4.32%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.56% |
| Portfolio Turnover | 260% | 14% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, humein 3Y return, expense ratio, aur risk ka dhyan rakhna hoga. Dekho, Fund B ka 3Y return 11.66% hai, jabki Fund A ka 6.89% hai. Lekin expense ratio me Fund B 1.66% se jyada expensive hai. Haan, Fund B ka riskometer bhi Very High hai. Sach ye hai, Fund A long-term investment ke liye better fund 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 ELSS Tax Saver Fund?
- Expense ratio: 1.66%
- 3Y return: 11.66%
- AUM: 3.16 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Monthly SIP ke liye, humein consistency aur return stability ka dhyan rakhna hoga. Dekho, Fund A ka 1Y return 6.15% hai, jabki Fund B ka -2.52% hai. Lekin Fund B ka 3Y return 11.66% hai, jabki Fund A ka 6.89% hai. Haan, Fund A ka volatility bhi kam hai. Sach ye hai, Fund A monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye humein Fund B se Fund A ka comparison karna hoga. Dekho, Fund B ka riskometer Very High hai, jabki Fund A ka Low hai. Lekin Fund B ka volatility 13.4 hai, jabki Fund A ka 0.12 hai. Haan, Fund B ka expense ratio bhi jyada hai. Sach ye hai, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye humein Fund A aur Fund B ka comparison karna hoga. Dekho, Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein hain, jabki Fund B ka asset allocation Equity mein hain. Lekin Fund A ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hain, jabki Fund B ka ICICI Bank Ltd., HDFC Bank Ltd., aur Bharti Airtel Ltd. mein hain. Haan, Fund A ka asset allocation better diversified hai. Sach ye hai, Fund A portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Axis ELSS Tax Saver Fund
₹1138461.04
@11.7% 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 8.43% hai. Haan, Fund B ka 3Y return 11.66% hai, lekin expense ratio aur risk ko bhi dekha jata hai. Lekin long-term wealth creation ke liye, Fund A better fund hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke liye humein comparison karna hoga. Dekho, Fund B ka volatility 13.4 hai, jabki Fund A ka 0.12 hai. Haan, Fund B ka Sharpe ratio bhi kam hai. Sach ye hai, Fund B ka higher risk fund nahi hai.
Q3: Which fund is more cost-effective?
Expense ratio aur exit load (if provided) ke liye humein comparison karna hoga. Dekho, Fund A ka expense ratio 0.12% hai, jabki Fund B ka 1.66% hai. Haan, Fund A cost-effective fund 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