SBI Liquid Fund vs Axis Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
17.52%
Chaliye dekho, hum do fundon ko compare karne ja rahe hain - SBI Liquid Fund aur Axis Small Cap Fund. Ye donon fund aise hain jinka category alag hai, lekin hum jaante hain ki long-term mein kuch bhi ho sakta hai. Aaj hum jaante hain ki kis fund ki aapko aapka paisa behtar surakshit hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BAxis Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Axis Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 4351.16 | 124.14 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.74 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.92% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.03 |
| Sharpe Ratio | 3.25 | 0.65 |
| 1 Year Return (%) | 6.15% | 4.52% |
| 3 Year Return (%) | 6.89% | 17.52% |
| 5 Year Return (%) | 6.09% | 18.04% |
| Since Launch (%) | 6.79% | 22.39% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 5 December 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Krishnaa Narayan; Mayank Hyanki; Tejas Sheth (2.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | CCL Products (India) Ltd. (2.79%), Krishna Institute of Medical Sciences Ltd (2.47%), JB Chemicals & Pharmaceuticals Ltd. (2.23%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 88.35% | ID: 1.76% | T-Bills: 0.55% |
| Portfolio Turnover | 260% | 12% |
🤖 AI Verdict – Which is Better?
Humne dekha hai ki long-term mein, SBI Liquid Fund ka 3Y return 6.89% hai, jiska koi sawal nahi hai. Lekin expense ratio mein bhi difference hai, jahaan SBI Liquid Fund 0.12% hai, jabki Axis Small Cap Fund 0.92% hai. Riskometer bhi alag hai, jahaan SBI Liquid Fund low hai, jabki Axis Small Cap Fund very high hai. Haan, koi fund sahi nahi hai, lekin aapko pata hai ki kis fund ki aapko aapka paisa behtar surakshit 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 Small Cap Fund?
- Expense ratio: 0.92%
- 3Y return: 17.52%
- AUM: 2.74 Lac Cr
- Sharpe Ratio: 0.65
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, humein consistency aur return stability ka dhyan rakhna hai. SBI Liquid Fund ka 1Y return 6.15% hai, jabki Axis Small Cap Fund ka 1Y return 4.52% hai. Chaliye dekho, SBI Liquid Fund SIP keliye behtar hai, kyonki iska return stable hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ka dhyan rakhna hai, jahaan SBI Liquid Fund low hai aur volatility 0.12 hai, jabki Axis Small Cap Fund very high hai aur volatility 17.03 hai. Sharpe ratio bhi alag hai, jahaan SBI Liquid Fund 3.25 hai, jabki Axis Small Cap Fund 0.65 hai. Haan, koi fund sahi nahi hai, lekin aapko pata hai ki kis fund ki aapko aapka paisa behtar surakshit hai.
📊 Portfolio Diversification
Asset allocation ke liye, SBI Liquid Fund mein T-Bills 65%, CD 20%, CP 10%, aur Cash 5% hai, jabki Axis Small Cap Fund mein Equity 88.35%, ID 1.76%, aur T-Bills 0.55% hai. Top holdings concentration ke liye, SBI Liquid Fund mein State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% ha, jabki Axis Small Cap Fund mein CCL Products (India) Ltd. 2.79%, Krishna Institute of Medical Sciences Ltd. 2.47%, aur JB Chemicals & Pharmaceuticals Ltd. 2.23% hai. Haan, koi fund sahi nahi hai, lekin aapko pata hai ki kis fund ki aapko aapka paisa behtar surakshit hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Axis Small Cap Fund
₹1630847.06
@17.5% 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, SBI Liquid Fund ka 5Y return 6.09% hai, jabki Axis Small Cap Fund ka 5Y return 18.04% hai. Haan, Axis Small Cap Fund ka 5Y return accha hai, lekin kya aapko iska risk le sakte hain?
Q2: Is the higher risk fund worth it?
Nahin, Axis Small Cap Fund ka riskometer very high hai, aur volatility bhi 17.03 hai. Haan, koi fund sahi nahi hai, lekin aapko pata hai ki kis fund ki aapko aapka paisa behtar surakshit hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Liquid Fund ka expense ratio 0.12% hai, jabki Axis Small Cap Fund ka expense ratio 0.92% hai. Haan, koi fund sahi nahi hai, lekin aapko pata hai ki kis fund ki aapko aapka paisa behtar surakshit 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