SBI Liquid Fund vs DSP 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
6.77%
Today, hum dekhenge do liquid funds ki comparison: SBI Liquid Fund aur DSP Mutual Fund Liquid Fund. Ye dono category mein aate hain aur humein bataayenge ki SBI Liquid Fund kya offer karta hai aur yeh dono funds kis tarah se aapke investment ke liye sahi hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | DSP Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 89.77 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 2.25 |
| 1 Year Return (%) | 6.15% | 2.95% |
| 3 Year Return (%) | 6.89% | 6.77% |
| 5 Year Return (%) | 6.09% | 5.92% |
| Since Launch (%) | 6.79% | 6.91% |
| 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 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% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, DSP Mutual Fund Liquid Fund 3Y return mein 6.77% return dete hain, jiska mukhya fund SBI Liquid Fund se 0.88% kam hai. Lekin, SBI Liquid Fund ke expense ratio 0.12% hai, jo DSP Mutual Fund Liquid Fund ke 0.12% ke barabar hai. Iske alawa, SBI Liquid Fund ka riskometer Low hai aur Sharpe ratio 3.25 hai, jo DSP Mutual Fund Liquid Fund ke 2.25 se jyada hai. Isliye, hum SBI Liquid Fund ko long-term wealth creation ke liye better fund maante 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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP suitability ke liye, hum consistency aur return stability ka analysis karte hain. SBI Liquid Fund ka 1Y return 6.15% hai, jiska 3Y return 6.89% hai. DSP Mutual Fund Liquid Fund ka 1Y return 2.95% hai, jiska 3Y return 6.77% hai. Isliye, SBI Liquid Fund monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Hum dono funds ka riskometer, volatility, Sharpe ratio aur expense ratio ka analysis karte hain. SBI Liquid Fund ka riskometer Low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai aur expense ratio 0.12% hai. DSP Mutual Fund Liquid Fund ka riskometer Low hai, volatility 0.12 hai, Sharpe ratio 2.25 hai aur expense ratio 0.12% hai. Isliye, SBI Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Hum dono funds ka asset allocation aur top holdings concentration ka analysis karte hain. SBI Liquid Fund ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00% aur Cash 5.00% hai. DSP Mutual Fund Liquid Fund ka asset allocation bhi T-Bills 65.00%, CD 20.00%, CP 10.00% aur Cash 5.00% hai. Isliye, dono funds ka asset allocation aapas mein similar hai, lekin SBI Liquid Fund ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%) aur Reliance Industries T-Bills (6.8%) mein concentrated hai, jiska DSP Mutual Fund Liquid Fund ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%) aur Reliance Industries T-Bills (6.8%) mein bhi similar concentration hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% 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?
SBI Liquid Fund ka 5Y return 6.09% hai, jo DSP Mutual Fund Liquid Fund ka 5Y return 5.92% se jyada hai. Isliye, SBI Liquid Fund long run mein better returns dete hain.
Q2: Is the higher risk fund worth it?
SBI Liquid Fund ka volatility 0.12 hai, jiska DSP Mutual Fund Liquid Fund ka volatility 0.12 se barabar hai. Lekin, SBI Liquid Fund ka Sharpe ratio 3.25 hai, jo DSP Mutual Fund Liquid Fund ka 2.25 se jyada hai. Isliye, SBI Liquid Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund aur DSP Mutual Fund Liquid Fund dono ka expense ratio 0.12% hai. Isliye, dono funds cost-effective hain.
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