SBI Liquid Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.96%
Yeh post mein hum apne doston ko Fund A (SBI Liquid Fund) aur Fund B (Canara Robeco Liquid Fund) ke beech mein kuch aisi cheezein dekhne jaenge jo aapko invest karne ke liye sahi fund chunne mein madad karenge. Dekho, Fund A aur Fund B dono hi Liquid Fund Category mein aate hain, lekin ismein kya antar hai aur kya fund aapke liye behtar hai. Chaliye, hum yeh jaan karke shuru karte hain ki Fund A aur Fund B dono hi kaise perform karte hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Canara Robeco |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 3337.33 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 4.18 |
| 1 Year Return (%) | 6.15% | 6.22% |
| 3 Year Return (%) | 6.89% | 6.96% |
| 5 Year Return (%) | 6.09% | 6.13% |
| Since Launch (%) | 6.79% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B (Canara Robeco Liquid Fund) 3Y return mein Fund A (SBI Liquid Fund) se thoda zyada accha perform karta hai, lekin expense ratio aur riskometer ka dhyan rakhte hue Fund A bhi ek accha chunav hai. Haan, Fund B ka Sharpe ratio Fund A se zyada accha hai, lekin expense ratio mein bhi kuch antar hai. Dekho, Fund B ka expense ratio Fund A ke expense ratio se thoda kam 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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
Aapke liye yeh ek baat sahi hai ki Fund B (Canara Robeco Liquid Fund) monthly SIP ke liye thoda accha chunav hai, kyunki yeh Fund A (SBI Liquid Fund) ke 3Y return aur consistency mein thoda zyada stable hai. Haan, Fund A bhi ek achha chunav hai, lekin Fund B ka 1Y return aur 5Y return mein bhi thoda zyada accha hai.
⚠️ Risk & Cost Analysis
Yeh baat sahi hai ki Fund B (Canara Robeco Liquid Fund) ka riskometer aur volatility Fund A (SBI Liquid Fund) ke rishtedaar hai, lekin Sharpe ratio aur expense ratio mein bhi kuch antar hai. Haan, Fund B ka Sharpe ratio Fund A se zyada accha hai, lekin expense ratio mein bhi kuch antar hai. Dekho, Fund B ka expense ratio Fund A ke expense ratio se thoda kam hai.
📊 Portfolio Diversification
Yeh baat sahi hai ki Fund A (SBI Liquid Fund) aur Fund B (Canara Robeco Liquid Fund) dono hi T-Bills, CD aur CP mein asset allocation mein 65% se kam 20% aur 10% ka hissa rakhte hain, lekin Cash mein Fund A ka hissa Fund B se kam hai. Haan, Top holdings mein bhi kuch antar hai, lekin dono fund mein State Bank of India CD aur HDFC Bank CD mein 8.5% aur 7.2% ka hissa hai. Dekho, Fund B ka top holdings mein Reliance Industries T-Bills mein 6.8% ka hissa hai, jo Fund A mein nahin hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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, Fund B (Canara Robeco Liquid Fund) ka 5Y return Fund A (SBI Liquid Fund) ke 5Y return se thoda zyada accha hai, lekin expense ratio aur riskometer ka dhyan rakhte hue Fund A bhi ek accha chunav hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B (Canara Robeco Liquid Fund) ka Sharpe ratio Fund A (SBI Liquid Fund) se zyada accha hai, lekin expense ratio mein bhi kuch antar hai. Dekho, Fund B ka expense ratio Fund A ke expense ratio se thoda kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A (SBI Liquid Fund) aur Fund B (Canara Robeco Liquid Fund) dono hi expense ratio mein ek-ek hi hai, lekin Fund A ka AUM Fund B se zyada hai. Haan, Fund B ka sharpe ratio Fund A se zyada accha hai, lekin expense ratio mein bhi kuch antar 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