SBI Liquid Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.92%
Dekho, aap log kya jaante hain ki SBI Liquid Fund aur Baroda BNP Paribas Liquid Fund mein kya antar hai? Chaliye, hum aaj aapko yeh jaanne ka mauka denge ki yeh do fund kya hai aur aapko unke beech kya chunav karna hoga. Ye do fund liquid fund category mein aate hain aur inmein aapko long-term wealth creation ke liye kya vikalp milte hain, yeh hum aaj jaanne jaenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Baroda BNP Paribas |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 3208.35 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 3.82 |
| 1 Year Return (%) | 6.15% | 6.16% |
| 3 Year Return (%) | 6.89% | 6.92% |
| 5 Year Return (%) | 6.09% | 6.14% |
| Since Launch (%) | 6.79% | 6.88% |
| 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) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, aapko pata hai ki yeh do fund donon low-risk fund hai, lekin yeh sochne ki aapko unke beech kaun se fund better hai, yeh hum aaj jaanne jaenge. Dekho, 3Y return aur expense ratio ke hisab se, hum keh sakte hain ki Fund A aapko better vikaas deta 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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Chaliye, ab hum SIP ke liye yeh donon fund ki suitability jaanne jaenge. Dekho, yeh do fund donon hi consistent return provide karte hain, lekin Fund A ki consistency kaafi achhi hai. Isse yeh pata chalta hai ki aapko long-term SIP ke liye Fund A aapka best vikaas deta hai.
⚠️ Risk & Cost Analysis
Lekin yeh sochne ki aapko donon fund mein risk aur cost ke hisab se kaun se fund better hai, yeh hum aaj jaanne jaenge. Dekho, Fund B ki sharpe ratio kaafi acchi hai, lekin expense ratio aur volatility ko dekhte hue, hum keh sakte hain ki Fund A aapko better risk-adjusted returns provide karta hai.
📊 Portfolio Diversification
Chaliye, ab hum yeh jaanne jaenge ki yeh do fund mein asset allocation aur top holdings ka kya antar hai. Dekho, Fund A ki asset allocation mein State Bank of India CD aur HDFC Bank CD ka share thoda zyada hai, lekin Fund B mein Reliance Industries T-Bills ka share kaafi accha hai. Isse yeh pata chalta hai ki Fund B ka asset allocation Fund A se kam diversified hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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 5Y return mein Fund B se thoda accha hai, lekin 3Y return mein dono fund hi aapko ekjut returns provide karte hain.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki volatility thoda kam hai, lekin sharpe ratio kaafi accha hai. Isse yeh pata chalta hai ki Fund B aapko thoda jyada risk-adjusted returns provide karta hai.
Q3: Which fund is more cost-effective?
Chaliye, expense ratio ke hisab se, hum keh sakte hain ki donon fund ekjut expense ratio provide karte hain, lekin Fund B ki asset allocation thoda kam diversified hai, isliye Fund A aapko better vikaas deta 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