SBI Liquid Fund vs Franklin Templeton 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%
Today, we'll be comparing two popular funds from SBI and Franklin Templeton. Fund A is SBI Liquid Fund, a Low-risk Liquid fund, while Fund B is Franklin Templeton Large Cap Fund, a High-risk Large Cap fund. We'll analyze their performance, risk profile, and suitability for investors. Dekho, let's dive in!
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BFranklin Templeton Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Franklin Templeton |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.11 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.76 |
| Sharpe Ratio | 3.25 | 0.64 |
| 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) | Anand Radhakrishnan (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% | 31% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, Fund A, SBI Liquid Fund, takes the cake. Its 3Y return is 6.89%, while Fund B's 3Y return is 14.7%. Lekin, the riskometer of Fund A is Low, whereas Fund B's is Very High. Haan, this makes Fund A a safer bet. Expense ratio-wise, both funds are comparable, but Fund A's lower volatility (0.12) makes it a more attractive option.
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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.11 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
For a monthly SIP of 10+ years, Fund A is a better bet. Its consistency and return stability are unmatched. Dekho, Fund A's 1Y return is 6.15%, while Fund B's is -4.02%. This shows that Fund A can withstand market fluctuations and provide steady returns. Chaliye, if you're looking for a low-risk fund with stable returns, Fund A is the way to go.
⚠️ Risk & Cost Analysis
Comparing the two funds' risk profiles, Fund B is clearly at a higher risk due to its Very High riskometer and high volatility (12.76). Lekin, Fund A's Sharpe ratio (3.25) indicates better risk-adjusted returns. Haan, this makes Fund A a more attractive option for risk-averse investors. Expense ratio-wise, both funds are comparable (0.12% and 0.52%), but Fund A's lower volatility makes it a better choice.
📊 Portfolio Diversification
Portfolio diversification is key to minimizing risk. Fund A's asset allocation is 65% T-Bills, 20% CD, 10% CP, and 5% Cash. This is a well-diversified portfolio with minimal concentration risk. Fund B, on the other hand, has a higher concentration of equity (96%). Dekho, this makes it more susceptible to market fluctuations. Chaliye, Fund A's diversified portfolio is a safer bet.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Franklin Templeton 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?
Sach ye hai, Fund B, Franklin Templeton Large Cap Fund, long run mein better returns deta hai. Iska 5Y return 12.03% hai, jo Fund A ke 6.09% se kam hai. Haan, 3Y return bhi Fund B ka 14.7% hai, jo Fund A ke 6.89% se kam hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B, Franklin Templeton Large Cap Fund, higher risk fund hai, lekin volatility bhi bahut high hai, 12.76%. Haan, Sharpe ratio bhi Fund B ka 0.64 hai, jo Fund A ka 3.25 se kam hai. Sach ye hai, Fund B ke liye aapko risk management ki jarurat hogi.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A, SBI Liquid Fund, expense ratio ke liye cost-effective hai, 0.12% vs Fund B ke 0.52%. Haan, exit load bhi Fund A ka kam hai. Dekho, Fund A ek achha cost-effective vikalp 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