SBI Liquid Fund vs Edelweiss 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
6.99%
Dekho, aap dono funds liquid category mein hain, lekin kya aapko pata hai ki kis fund mein aapko invest karna chahiye? Aaj hum SBI Liquid Fund aur Edelweiss Liquid Fund ke beech ka comparison karenge. Aapki yah jaanana hai ki kis fund mein aapko SIP karna chahiye aur kis fund mein risk-adjusted returns milegi.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BEdelweiss Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Edelweiss Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 3598.40 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.21 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.25 | 3.77 |
| 1 Year Return (%) | 6.15% | 6.24% |
| 3 Year Return (%) | 6.89% | 6.99% |
| 5 Year Return (%) | 6.09% | 6.17% |
| Since Launch (%) | 6.79% | 72.46% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 27 November 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Bharat Lahoti (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% | 295% |
🤖 AI Verdict – Which is Better?
Our verdict hai ki Edelweiss Liquid Fund better hai long-term wealth creation ke liye. 3Y return mein Edelweiss fund 6.99% return deta hai, jabki SBI fund 6.89% return deta hai. Expense ratio mein bhi Edelweiss fund 0.12% hai, jabki SBI fund 0.12% hai. Riskometer mein dono funds low risk hai, lekin Edelweiss fund ki volatility 0.13 hai, jabki SBI fund ki volatility 0.12 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 Edelweiss Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.99%
- AUM: 4.21 Lac Cr
- Sharpe Ratio: 3.77
📈 SIP Suitability
SIP karna 10+ years ke liye hai, to SBI Liquid Fund SIP ke liye suitble hai. Ismein 3Y return stability hai aur expense ratio chhota hai. Edelweiss Liquid Fund consistency mein thoda kam hai, lekin 5Y return mein Edelweiss fund 6.17% return deta hai, jabki SBI fund 6.09% return deta hai.
⚠️ Risk & Cost Analysis
Riskometer mein dono funds low risk hai, lekin Edelweiss fund ki volatility 0.13 hai, jabki SBI fund ki volatility 0.12 hai. Sharpe ratio mein Edelweiss fund 3.77 hai, jabki SBI fund 3.25 hai. Expense ratio mein dono funds 0.12% hai, lekin Edelweiss fund ki Sharpe ratio se bahut accha hai.
📊 Portfolio Diversification
Asset allocation mein dono funds T-Bills, CD, CP aur Cash mein 65%, 20%, 10%, aur 5% hai. Top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills dono funds mein hain. Edelweiss fund mein asset allocation thoda diverse hai, lekin SBI fund mein top holdings ka concentration thoda jyada hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Edelweiss Mutual Fund Liquid Fund
₹869986.27
@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, Edelweiss Liquid Fund 5Y return mein 6.17% deta hai, jabki SBI Liquid Fund 6.09% deta hai. Aapko Edelweiss fund par invest karna chahiye.
Q2: Is the higher risk fund worth it?
nahi, Edelweiss fund ki volatility 0.13 hai, jabki SBI fund ki volatility 0.12 hai. Sharpe ratio mein Edelweiss fund 3.77 hai, jabki SBI fund 3.25 hai. Aapko SBI fund par invest karna chahiye.
Q3: Which fund is more cost-effective?
sach ye hai, dono funds ki expense ratio 0.12% hai, lekin Edelweiss fund ki Sharpe ratio se bahut accha hai. Aapko Edelweiss fund par invest karna chahiye.
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