SBI Liquid Fund vs Groww 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
6.93%
Ab aapke paas do liquid funds - SBI Liquid Fund aur Groww Mutual Fund Liquid Fund - hain. Ye donki donki fund aapke paas apne investment ke liye kai options pradan karte hain, lekin aapko pata karna hoga ki unmein se kiska hai aapke liye behtar. Is article mein hum aapko fundon ka vishleshan karte hue dekheinge aur aapko pata karenge ki kiska fund aapke liye behtar hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 3.91 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.89% | 6.93% |
| 5 Year Return (%) | 6.09% | 6.11% |
| Since Launch (%) | 6.79% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Sabse pehle hum fundon ka 3Y return dekhte hain. Fund A ka 3Y return 6.89% hai, jabki Fund B ka 3Y return 6.93% hai. Isse hum aate hain ki Fund B aapke liye behtar hai. Lekin kya expense ratio aur risk se bhi hume pey nahi karna chahiye? Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio bhi 0.12% hai. Aur dono fund low riskometer ke saath aate hain. Isliye, hum apne verdict mein khte hain ki Fund B aapke liye behtar 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Ab aap monthly SIP lagaate hain to konsa fund aapke liye behtar hai? Fund A ka 1Y return 6.15% hai, jabki Fund B ka 1Y return 6.17% hai. Isse hum aate hain ki Fund B aapke liye behtar hai. Lekin isse pata chalta hai ki Fund B ka return Fund A ke mukable thoda stable hai. Isliye, hum aapko khte hain ki Fund A aapke liye behtar hai monthly SIP ke liye.
⚠️ Risk & Cost Analysis
Ab aapko fundon ki riskometer, volatility, Sharpe ratio, aur expense ratio ka vishleshan karna hoga. Fund A ka riskometer low hai, jabki Fund B ka riskometer bhi low hai. Fund A ka volatility 0.12 hai, jabki Fund B ka volatility 0.11 hai. Isse hum aate hain ki Fund B aapke liye behtar hai. Lekin Fund B ka Sharpe ratio 3.91 hai, jabki Fund A ka Sharpe ratio 3.25 hai. Isse hum aate hain ki Fund B aapke liye behtar hai. Isliye, hum aapko khte hain ki Fund B aapke liye behtar hai.
📊 Portfolio Diversification
Ab aapko fundon ki asset allocation aur top holdings concentration ka vishleshan karna hoga. 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 bhi T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Isse hum aate hain ki dono fund aapke liye behtar hai. Lekin Fund B ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) mein hai, jabki Fund A ka top holdings concentration bhi hi hai. Isse hum aate hain ki Fund B aapke liye behtar hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Fund B ka 5Y return 6.11% hai, jabki Fund A ka 5Y return 6.09% hai. Isse hum aate hain ki Fund B aapke liye behtar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer low hai, lekin uska Sharpe ratio 3.91 hai, jabki Fund A ka Sharpe ratio 3.25 hai. Isse hum aate hain ki Fund B aapke liye behtar hai.
Q3: Which fund is more cost-effective?
Dono fund ke expense ratio 0.12% hai. Isse hum aate hain ki dono fund aapke liye behtar 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