SBI Liquid Fund vs Axis Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.98%
Agar aap ek liquid fund mein invest karna chahte hain, toh yah article aapke liye upyukt ho sakta hai. Hamare pas do liquid funds hain, SBI Liquid Fund aur Axis Liquid Fund, jo ki aapke investment ke liye vikalp pradaan karte hain. Aap jante hain ki invest karna ek judaai ka kaam hai, lekin hum aapko kuch tareekon se sahayta karne ke liye yahan hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAxis Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Liquid | Liquid |
| NAV (₹) | 4351.16 | 3096.85 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.16 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.11% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 4.36 |
| 1 Year Return (%) | 6.15% | 6.25% |
| 3 Year Return (%) | 6.89% | 6.98% |
| 5 Year Return (%) | 6.09% | 6.17% |
| Since Launch (%) | 6.79% | 6.86% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% |
| Portfolio Turnover | 260% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, ki 3 saal ke return, expense ratio aur risk ke mukable humein Axis Liquid Fund aapke liye behtar vikalp hai. Yeh fund aapke long-term wealth creation ke liye upyukt hai, kyunki iska 3 saal ka return 6.98% hai, jo ki SBI Liquid Fund ke 6.89% se adhik hai. Haan, expense ratio bhi kam hai, lekin yeh aapke liye ek accha investment vikalp 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 Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
📈 SIP Suitability
Agar aap ek monthly SIP ke liye invest karna chahte hain, toh humein lagta hai ki SBI Liquid Fund aapke liye behtar vikalp hai. Yeh fund ka 1 saal ka return 6.15% hai, jo ki Axis Liquid Fund ke 6.25% se kam hai, lekin yeh fund ka consistency aur return stability kaafi accha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke mukable humein lagta hai ki SBI Liquid Fund aapke liye behtar vikalp hai. Yeh fund ka riskometer low hai aur volatility 0.12 hai, jo ki Axis Liquid Fund ke 0.11 se kam hai. Lekin, Sharpe ratio ke mukable, Axis Liquid Fund aapke liye behtar hai, kyunki yeh fund ka Sharpe ratio 4.36 hai, jo ki SBI Liquid Fund ka 3.25 se adhik hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mukable, humein lagta hai ki SBI Liquid Fund aapke liye behtar vikalp hai. Yeh fund ka asset allocation T-Bills, CD, CP aur cash mein hai, jo ki bahut hi accha hai. Haan, top holdings concentration bhi kam hai, jo ki aapke liye behtar hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Axis Liquid Fund
₹869500.53
@7.0% 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, ki Axis Liquid Fund aapke liye behtar vikalp hai. Yeh fund ka 5 saal ka return 6.17% hai, jo ki SBI Liquid Fund ka 6.09% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, lekin yeh fund ka Sharpe ratio bhi kam hai. Yeh fund ka Sharpe ratio 3.25 hai, jo ki Axis Liquid Fund ka 4.36 se kam hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund aapke liye behtar vikalp hai, kyunki yeh fund ka expense ratio 0.12% hai, jo ki Axis Liquid Fund ka 0.11% 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