SBI Liquid Fund vs DSP 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%
Agar aapko paise ki growth mein invest karna hai, toh aapko do mutual funds ke beech ka comparison karna hoga. Fund A SBI Liquid Fund hai, jo liquid category mein aata hai, aur Fund B DSP Mutual Fund Large Cap Fund hai, jo large cap category mein aata hai. Yeh report aapko iske beech ka comparison karne mein madad karega. Dekho, kis fund mein aapko long-term wealth creation ke liye invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BDSP Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.82 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.97 |
| Sharpe Ratio | 3.25 | 0.69 |
| 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) | Atul Bhole (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% | 23% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B DSP Mutual Fund Large Cap Fund long-term wealth creation ke liye better hai. Iska 3Y return 14.7% hai, jo Fund A ki 3Y return 6.89% se adhik hai. Lekin, iska expense ratio 0.52% hai, jo Fund A ki expense ratio 0.12% se adhik hai. Haan, Fund B ka riskometer Very High hai, lekin yeh fund 96% equity mein invest karta hai. Chaliye, iska verdict hai ki Fund B long-term wealth creation ke liye better hai, lekin iski risk ka bhi dhyan rakhna hoga.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider DSP Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.82 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
SIP Suitability kya hai? Yeh fund aapko monthly SIP ke liye kaisa hai? Dekho, Fund A ki consistency aur return stability Fund B se adhik hai. Iska 1Y return -4.02% hai, jo Fund A ki 1Y return 6.15% se kam hai. Lekin, Fund A ki expense ratio Fund B ki expense ratio se kam hai. Haan, Fund A ki riskometer Low hai, lekin yeh fund 65% T-Bills mein invest karta hai. Chaliye, Fund A aapke monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio kya hai? Yeh sab fund ke risk-adjusted returns ko determine karte hain. Dekho, Fund A ki riskometer Low hai, jo Fund B ki riskometer Very High se kam hai. Lekin, Fund A ki volatility 0.12 hai, jo Fund B ki volatility 11.97 se kam hai. Haan, Fund A ki Sharpe ratio 3.25 hai, jo Fund B ki Sharpe ratio 0.69 se adhik hai. Chaliye, Fund A ki risk-adjusted returns Fund B se adhik hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration kya hai? Yeh fund ke portfolio diversification ko determine karte hain. Dekho, Fund A ki asset allocation T-Bills, CD, CP, aur cash mein hai, jo Fund B ki asset allocation equity aur T-Bills mein hai. Haan, Fund A ki top holdings concentration Fund B ki top holdings concentration se kam hai. Lekin, Fund A ki sector risk Fund B ki sector risk se adhik hai. Chaliye, Fund A ke portfolio diversification Fund B se adhik hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
DSP 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?
Answer: Fund B DSP Mutual Fund Large Cap Fund long-term wealth creation ke liye better hai, jiska 3Y return 14.7% hai aur 5Y return 12.03% hai.
Q2: Is the higher risk fund worth it?
Answer: Haan, Fund B ka higher risk worth hai, kyunki yeh fund 96% equity mein invest karta hai aur riskometer Very High hai. Lekin, iska Sharpe ratio Fund A ki Sharpe ratio se kam hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ki expense ratio Fund B ki expense ratio se kam hai, jo 0.12% hai. Haan, yeh fund liquid category mein hai, jo Fund B ki large cap category se kam risk wala 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