SBI Liquid Fund vs Bandhan Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.7%
Dekho, aaj hum do alag-alag funds ke beech comparision karenge. Fund A hai SBI Liquid Fund aur Fund B hai Bandhan Mutual Fund Large Cap Fund. Ye dono funds Indian investors ke liye kya offer karte hain, ye hum jaanenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.04 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.11 |
| Sharpe Ratio | 3.25 | 0.68 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.89% | 14.7% |
| 5 Year Return (%) | 6.09% | 12.03% |
| Since Launch (%) | 6.79% | 11.65% |
| 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) | Manish Gunwani (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Haan, Fund A ki 3Y return aur expense ratio Fund B se acchi hai. Lekin Fund A ki riskometer Very High hai, jiska matlab hai ki yeh fund bahut jatil nahi hai. Fund B ki riskometer Very High hai, lekin yeh fund 3Y return mein bahut accha kaam karta hai. To, hamara verdict hai ki Fund B Fund A se accha hai long-term wealth creation ke liye.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Bandhan Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.04 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
SIP kaise hai aapko jaanane ke liye, hum Fund A aur Fund B ki consistency aur return stability ke beech comparision karenge. Fund A ka 1Y return 6.15% hai, jo Fund B ki -4.02% se zyada accha hai. 3Y return bhi Fund A ka 6.89% hai, jo Fund B ki 14.7% se zyada accha hai. Dekho, Fund A ka return stability Fund B se zyada hai.
⚠️ Risk & Cost Analysis
Riskometer, Volatility, Sharpe ratio, aur expense ratio ke hisaab se, hum aapko batate hain ki kis fund ka risk-adjusted return better hai. Fund A ka riskometer Low hai, jo Fund B ki Very High se kam hai. Sharpe ratio bhi Fund A ka 3.25 hai, jo Fund B ki 0.68 se zyada accha hai. Expense ratio bhi Fund A meh 0.12% hai, jo Fund B ki 0.52% se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum aapko batate hain ki kis fund ka portfolio diversification better hai. Fund A ka asset allocation T-Bills (65%), CD (20%), CP (10%), aur Cash (5%). Top holdings concentration bhi Fund A meh State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B ka asset allocation Equity (96%), T-Bills (4%). Top holdings concentration bhi Fund B meh HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hai. Dekho, Fund A ka portfolio diversification Fund B se zyada hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Bandhan Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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, jo Fund B ki 12.03% se zyada accha hai. Haan, Fund A ka 3Y return bhi 6.89% hai, jo Fund B ki 14.7% se zyada accha hai. Dekho, Fund A ka long-term return better hai.
Q2: Is the higher risk fund worth it?
Lekin, Fund B ka riskometer Very High hai, jo Fund A ki Low se kam hai. Volatility bhi Fund B ka 12.11 hai, jo Fund A ki 0.12 se zyada hai. Sharpe ratio bhi Fund B ka 0.68 hai, jo Fund A ki 3.25 se kam hai. Dekho, Fund B ka risk-adjusted return Fund A se kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jo Fund B ki 0.52% se kam hai. Haan, Fund A ka AUM 71248.45 Cr hai, jo Fund B ki 20400 Cr se zyada hai. Dekho, Fund A 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