SBI Liquid Fund vs Groww Mutual Fund 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%
Aaj hum do mutual funds ke beech ka comparison karne ja rahe hain - SBI Liquid Fund aur Groww Mutual Fund Large Cap Fund. Kya aapko pata hai ki liquid funds aur large cap funds mein kya farq hai? Dekho, hum aapko batayenge ki in donon funds ke beech mein kon sa fund long-term wealth creation ke liye behtar hai. Chaliye, hum shuru karte hain!
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.54 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.05 |
| Sharpe Ratio | 3.25 | 0.63 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A - SBI Liquid Fund - direct plan - growth ek low-risk fund hai, jabki Fund B - Groww Mutual Fund Large Cap Fund - direct plan - growth ek very high-risk fund hai. Haan, 3Y return, expense ratio, aur risk ke basis par hum ko lagta hai ki Fund A behtar choice hai long-term wealth creation ke like. Lekin, yeh nahi hai ki Fund B behtar fund hai. Yeh depend karta hai, aapke investment goals aur risk tolerance par.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Groww Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.54 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
SIP mein investment karna ek achha vikalp hai, lekin kis fund mein SIP karna hai, yeh decision lene se pehle sochna padta hai. Fund A, SBI Liquid Fund Direct Plan Growth, ek stable fund hai, jisse SIP mein investment karna achha hai. Iske 1Y return 6.15% hain, jo kamal hai. Fund B, Groww Mutual Fund Large Cap Fund Direct Plan Growth, ek High Risk fund hai, jisse SIP mein investment karna kamal nahin hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke anusaar, Fund A, SBI Liquid Fund Direct Plan Growth, better hai. Yeh fund Low Riskometer pe hai, jisse investment karne se kamal hai. Fund B, Groww Mutual Fund Large Cap Fund Direct Plan Growth, Very High Riskometer pe hai, jisse investment karne se kamal nahin hai. Sharpe ratio ke anusaar, Fund A ke returns risk-adjusted hain, lekin Fund B ke returns nahin.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Asset allocation aur top holdings ke anusaar, Fund A, SBI Liquid Fund Direct Plan Growth, better hai. Yeh fund apne assets ko T-Bills, CD, CP aur Cash mein distribute karta hai, jisse ek achha diversification hai. Fund B, Groww Mutual Fund Large Cap Fund Direct Plan Growth, apne assets ko equity aur T-Bills mein distribute karta hai, jisse sector risk hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Groww Mutual Fund 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 A - SBI Liquid Fund - direct plan - growth ek behtar fund hai long run returns ke liye. Yeh 5Y return 6.09% hai, jabki Fund B ka 5Y return 12.03% hai. Lekin, Fund A ka riskometer low hai, jabki Fund B ka riskometer very high hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund B ka volatility 13.05 hai, jabki Fund A ka volatility 0.12 hai. Haan, yeh pata chala hai ki Fund B ka Sharpe ratio 0.63 hai, jabki Fund A ka Sharpe ratio 3.25 hai. Lekin, Fund B ka expense ratio 0.52% hai, jabki Fund A ka expense ratio 0.12% hai. Yeh depend karta hai, aapke investment goals aur risk tolerance par.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 0.52% hai. Haan, yeh pata chala hai ki Fund A ek behtar fund hai cost-effectiveness ke liye.
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