SBI Liquid Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.62%
Aaj hum do achhe funds ke beech mein comparison karne wale hain - SBI Liquid Fund aur Baroda BNP Paribas Large Cap Fund. Ye dono funds apne respective categories mein achhe hai, lekin kya unmein se koi ek fund long-term wealth creation ke liye better hai, yeh humein dekhega. Is article mein hum 3Y return, expense ratio aur risk ke basis par fund ke beech mein comparison karenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Baroda BNP Paribas |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 251.36 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.08 |
| Sharpe Ratio | 3.25 | 0.62 |
| 1 Year Return (%) | 6.15% | -0.15% |
| 3 Year Return (%) | 6.89% | 14.62% |
| 5 Year Return (%) | 6.09% | 11.06% |
| Since Launch (%) | 6.79% | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Sanjay Chawla (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% | 34% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, Baroda BNP Paribas Large Cap Fund, 3Y return aur expense ratio ke liye better hai. Lekin, iski riskometer Very High hai, jo humein chinta deti hai. Fund A, SBI Liquid Fund, riskometer Low hai aur expense ratio bhi kam hai, lekin 3Y return kam hai. Haan, Fund A risk-free nahi hai, lekin iske 5Y return Fund B ke 5Y return se kam nahi hain.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A sabse better hai. Iska 3Y return Fund B ki 3Y return se kam hai, lekin expense ratio aur riskometer dono ki side hai. Fund B ka 1Y return negative hai, jo SIP karenay wale investor ko chinta deti hai. Dekho, Fund A consistent returns deti hai, jisse SIP karenay wale investor ki unki investment ka risk kam hota hai.
⚠️ Risk & Cost Analysis
Volatility aur Sharpe ratio ke basis par, Fund A sabse better hai. Iska volatility 0.12 hai, jo Fund B ki volatility 13.08 se kam hai. Sharpe ratio bhi Fund A ki side hai, jiska value 3.25 hai. Fund B ka Sharpe ratio 0.62 hai, jo kam hai. Expense ratio ke liye bhi Fund A better hai, jiska expense ratio 0.12% hai. Fund B ka expense ratio 0.52% hai, jo kam hai.
📊 Portfolio Diversification
Asset allocation ke liye, Fund B sabse better hai. Iska equity allocation 96.00% hai, jo Fund A se kam hai. Fund A ka asset allocation 65.00% T-Bills, 20.00% CD, 10.00% CP aur 5.00% cash mein hai. Fund B ka asset allocation 96.00% equity aur 4.00% T-Bills mein hai. Top holdings concentration ke liye bhi Fund B better hai, jiska top holding HDFC Bank Ltd. 8.5% hai. Fund A ka top holding State Bank of India CD 8.5% hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% 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?
According to 5Y return, Fund A and Fund B both have similar returns. But, if we see 3Y return, Fund B has better returns.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. Fund B has high volatility and a lower Sharpe ratio, which makes it a riskier option.
Q3: Which fund is more cost-effective?
Fund A is more cost-effective with an expense ratio of 0.12%, which is lower than Fund B's expense ratio of 0.52%.
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