SBI Liquid Fund vs Edelweiss Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.24%
Kuchh aisi cheezein hain jo tumhara paisa bachaate hain aur aage badhate hain. Dekho, hum donon fundon ka ek comparison karne ja rahen hain. Fund A SBI Liquid Fund hai, jo liquid category mein hai, aur Fund B Edelweiss Mutual Fund Multi Cap Fund hai, jo multi cap category mein hai. Is article mein, hum tumhein batayenge ki donon fundon mein kya faida hai, aur tumhein konsi fund chunne ki zaroorat hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BEdelweiss Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Edelweiss Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 15.12 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.68 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15.25 |
| Sharpe Ratio | 3.25 | 0.68 |
| 1 Year Return (%) | 6.15% | 3.12% |
| 3 Year Return (%) | 6.89% | 14.24% |
| 5 Year Return (%) | 6.09% | 8.32% |
| Since Launch (%) | 6.79% | 16.89% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 30 October 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 260% | 55% |
🤖 AI Verdict – Which is Better?
Haan, ismein koi shak nahin ki Fund A SBI Liquid Fund hamesha ki tarah hi better perform karta hai. Iska 3Y return 6.89% hai, jo Fund B se bahut zyada hai. Expense ratio bhi kam hai, 0.12% hai. Riskometer low hai, jisse tumko apna paisa kam jor par invest karne ki zaroorat nahin padti hai. Dekho, Fund B ki riskometer very high hai, jisse tumko bahut jor par invest karne ki zaroorat padti hai. Isliye, hum dekh rahe hain ki Fund A SBI Liquid Fund better 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 14.24%
- AUM: 1.68 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Haan, SIP ki zaroorat hai, aur tumhein konsi fund chunne ki zaroorat hai. Dekho, Fund A ki consistency 6.15% 1Y return se 6.89% 3Y return tak hai. Isse patra ki stability ki baat karte hain. Fund B ki consistency 3.12% 1Y return se 14.24% 3Y return tak hai, lekin ismein jor bhi bahut zyada hai. Isliye, hum dekh rahe hain ki Fund A SBI Liquid Fund monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi cheezein hain jo tumhein fund chunne ki zaroorat hai. Dekho, Fund A ki riskometer low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai, aur expense ratio 0.12% hai. Fund B ki riskometer very high hai, volatility 15.25 hai, Sharpe ratio 0.68 hai, aur expense ratio 1.68% hai. Isliye, hum dekh rahe hain ki Fund A SBI Liquid Fund better hai.
📊 Portfolio Diversification
Asset allocation, top holdings concentration sabhi cheezein hain jo tumhein fund chunne ki zaroorat hai. Dekho, Fund A ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai. Fund B ka asset allocation equity 97.00%, aur T-Bills 3.00% hai. Ismein sector risk bhi hai, lekin Fund A ka asset allocation thoda kam jor par hai. Isliye, hum dekh rahe hain ki Fund A SBI Liquid Fund better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Edelweiss Mutual Fund Multi Cap Fund
₹1329792.28
@14.2% 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?
Haan, Fund A SBI Liquid Fund 5Y return 6.09% hai, jisse Fund B Edelweiss Mutual Fund Multi Cap Fund 5Y return 8.32% se bhi kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B Edelweiss Mutual Fund Multi Cap Fund ka volatility 15.25 hai, jisse Fund A SBI Liquid Fund 0.12 volatility se bhi kam hai. Isliye, Fund A SBI Liquid Fund better hai.
Q3: Which fund is more cost‑effective?
Haan, Fund A SBI Liquid Fund expense ratio 0.12% hai, jisse Fund B Edelweiss Mutual Fund Multi Cap Fund 1.68% expense ratio se bhi kam 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