SBI Liquid Fund vs Franklin Templeton Flexi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.63%
Ab humein do funds ke beech ka comparison karna hai. Sabse pehle, ek Fund A hai, jo SBI Liquid Fund ka Direct Plan hai. Yeh ek Liquid fund hai, jo kam jor ka hai aur low riskometer hai. Fund B hai Franklin Templeton Flexi Cap Fund ka Direct Plan, jo Flexi Cap fund hai aur jor bada hai. Ye dono funds Indian investors ke liye hai. Hum aaj ke is article mein in dono funds ke beech ka comparison karenge aur dekhein ki kis fund mein paise lagane se bada mazaal aata hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BFranklin Templeton Flexi Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Franklin Templeton |
| Category | Liquid | Flexi Cap |
| NAV (₹) | 4351.16 | 110.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.96% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.27 |
| Sharpe Ratio | 3.25 | 0.57 |
| 1 Year Return (%) | 6.15% | -2.38% |
| 3 Year Return (%) | 6.89% | 14.63% |
| 5 Year Return (%) | 6.09% | 12.31% |
| Since Launch (%) | 6.79% | 14.46% |
| 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) | Anand Radhakrishnan (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 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. (8.2%), ICICI Bank Ltd. (6.9%), Infosys Ltd. (5.5%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 260% | 48% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ka 3Y return 14.63% hai, jo bahut zyada hai. Lekin expense ratio bhi 0.96% hai, jo thoda zyada hai. Fund A ka 3Y return 6.89% hai, lekin expense ratio 0.12% hai, jo kam hai. Aur riskometer bhi Fund A ka kam hai. To, hum apne verdict mein Fund A ko better fund ke roop mein chunenge. Ye fund long-term wealth creation ke liye achha 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 Franklin Templeton Flexi Cap Fund?
- Expense ratio: 0.96%
- 3Y return: 14.63%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.57
📈 SIP Suitability
Chaliye, SIP ke liye kya fund acha hai. Fund A ka performance consistent hai aur return stability bhi hai. Fund B ka performance bahut hi unpredictable hai. Haan, toh Fund A SIP ke liye better hai. Dekho, Fund A ka 1Y return 6.15% hai aur Fund B ka 1Y return -2.38% hai. Yeh performance Fund A ke liye bahut achha hai.
⚠️ Risk & Cost Analysis
Haan, toh aaj hum riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karenge. Fund A ka riskometer Low hai aur Fund B ka Very High hai. Volatility ka dhyan rakhna hoga, jiska Fund A 0.12 hai aur Fund B 14.27 hai. Sharpe ratio ka bhi dhyan rakhna hoga, jiska Fund A 3.25 hai aur Fund B 0.57 hai. Expense ratio ka bhi dhyan rakhna hoga, jiska Fund A 0.12% hai aur Fund B 0.96% hai. Sach ye hai, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Chaliye, asset allocation aur top holdings concentration ka comparison karenge. Fund A ka asset allocation Liquid hai, jo aam taur par aasaani se paane jaa sakta hai. Fund B ka asset allocation Flexi cap hai, jo apne high-risk high-return investment strategy ke liye jaana jaata hai. Haan, toh Fund A portfolio diversification ke liye better hai. Dekho, Fund A ka asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai. Yeh asset allocation Fund A ke liye bahut achha hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Franklin Templeton Flexi Cap Fund
₹1361937.60
@14.6% 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, toh Fund A long-term returns ke liye better hai. Dekho, Fund A ka 5Y return 6.09% hai, jo Fund B se kam hai. Lekin, Fund A ka 3Y return 6.89% hai, jo Fund B se bahut alag hai.
Q2: Is the higher risk fund worth it?
Haan, toh Fund B ka higher risk koi problem nahi hai. Dekho, Fund B ka Sharpe ratio 0.57 hai, jo Fund A ke 3.25 se kam hai. Lekin, Fund B ka volatility 14.27 hai, jo Fund A ka 0.12 se bahut alag hai.
Q3: Which fund is more cost-effective?
Haan, toh Fund A cost-effective hai. Dekho, Fund A ka expense ratio 0.12% hai, jo Fund B ke 0.96% se kam hai. Lekin, exit load ka bhi dhyan rakhna hoga, jiska Fund A mein nahi 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