SBI Liquid Fund vs Bandhan Mutual Fund 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%
Chaliye dekho, aaj hum apne do fundon ka comparison karne wala hain. Fund A hai SBI Liquid Fund Direct Plan Growth aur Fund B hai Bandhan Mutual Fund Liquid Fund Direct Plan Growth. Dono fund liquid category mein hain. Aaj hum in dono fundon ki comparison karenge, taki aapko pata chal sake ki kis fund mein invest karna hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 39.33 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 4 |
| 1 Year Return (%) | 6.15% | 1.41% |
| 3 Year Return (%) | 6.89% | 6.98% |
| 5 Year Return (%) | 6.09% | 5.96% |
| Since Launch (%) | 6.79% | 8.53% |
| 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 Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 260% | 251% |
🤖 AI Verdict – Which is Better?
Haan, yeh sawal sabke dil mein aata hai. Dekho, Fund A ka 3Y return 6.89% hai, jabki Fund B ka 3Y return 6.98% hai. Lekin expense ratio ke hisab se, Fund A 0.12% ka expense ratio rakh raha hai, jabki Fund B 0.12% ka expense ratio rakh raha hai. Riskometer ke hisab se bhi dono fund low risk category mein hain. Lekin Fund B ka Sharpe ratio 4 hai, jabki Fund A ka Sharpe ratio 3.25 hai. Haan, yeh sabhi factors ke hisab se, hamara verdict hai ki Fund B better option 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
SIP ke liye, hamara focus hai consistency aur return stability par. Dekho, Fund A ka 1Y return 6.15% hai, jabki Fund B ka 1Y return 1.41% hai. Lekin Fund B ka 3Y return aur 5Y return Fund A se better hai. Haan, yeh sawal hai ki Fund B ka consistency fund A ke saman hai ya nahin. Lekin Fund B ka asset allocation Fund A ke saman hai, jisse aapko lagta hai ki Fund B better option hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, dono fund low risk category mein hain. Lekin Fund A ka Sharpe ratio 3.25 hai, jabki Fund B ka Sharpe ratio 4 hai. Volatility ke hisab se bhi dono fund 0.12% ka volatility rakh raha hai. Lekin expense ratio ke hisab se, dono fund 0.12% ka expense ratio rakh raha hai. Haan, yeh sabhi factors ke hisab se, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, dono fund T-Bills mein 65% investment karte hain. Lekin Fund A ka asset allocation Fund B ke saman hai. Lekin top holdings concentration ke hisab se, dono fund State Bank of India CD aur HDFC Bank CD mein investment karte hain. Lekin Fund B ka top holdings concentration Fund A ke saman hai. Haan, yeh sawal hai ki Fund B ka asset allocation aur top holdings concentration Fund A ke saman hai ya nahin. Lekin Fund B ka sector risk Fund A ke saman hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Bandhan Mutual Fund 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 Fund B ka 5Y return 5.96% hai, jabki Fund A ka 5Y return 6.09% hai. Lekin Fund B ka 3Y return Fund A se better hai. Haan, yeh sawal hai ki Fund B ka long-term returns Fund A ke saman hai ya nahin.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund B ka Sharpe ratio Fund A ke saman hai. Lekin volatility ke hisab se, dono fund 0.12% ka volatility rakh raha hai. Haan, yeh sawal hai ki Fund B ka higher risk Fund A ke saman hai ya nahin.
Q3: Which fund is more cost-effective?
Sach ye hai ki dono fund 0.12% ka expense ratio rakh raha hai. Haan, yeh sawal hai ki Fund B ka expense ratio Fund A ke saman hai ya nahin.
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