SBI Liquid Fund vs Groww 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
20.86%
Dekho, aaj hum do mutual funds ke beech mein comparison karenge. Fund A, SBI Liquid Fund Direct Plan Growth hai, jo Liquid Category mein padta hai, aur Fund B, Groww Mutual Fund Multi Cap Fund Regular Plan Growth hai, jo Multi Cap Category mein padta hai. Aaj humein ye jaanna hai ki ye dono fund kya kya offer karte hain, aur kis fund ki long-term wealth creation ke liye better hoga.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Groww Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 19.01 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.95 |
| Sharpe Ratio | 3.25 | 1.11 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.89% | 20.86% |
| 5 Year Return (%) | 6.09% | 0.27% |
| Since Launch (%) | 6.79% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 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% | 26% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, Groww Mutual Fund Multi Cap Fund Regular Plan Growth, short-term ke liye nahi hai. Iska 1Y return 5.23% hai, 3Y return 20.86% hai, lekin 5Y return -0.27% hai. Iska expense ratio bhi 1.68% hai, jo Fund A ke 0.12% se jyada hai. Isliye, Fund A, SBI Liquid Fund Direct Plan Growth, long-term wealth creation ke liye better fund 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Koi bhi fund SIP ke liye nahi, lekin Fund A ke 3Y return 6.89% hai, jo Fund B ke 20.86% se jyada stable hai. Isliye, Fund A SIP ke liye better fund hai, haan, lekin ye dono fund ke liye SIP kiya ja sakta hai.
⚠️ Risk & Cost Analysis
Lekin, Fund A ka riskometer Low hai, aur volatility 0.12% hai. Iske expense ratio bhi 0.12% hai. Fund B ka riskometer Very High hai, aur volatility 12.95% hai. Iske expense ratio bhi 1.68% hai. Isliye, Fund A risk-adjusted returns ka better offer karta hai.
📊 Portfolio Diversification
Fund A ka asset allocation T-Bills mein 65%, CD mein 20%, CP mein 10%, aur Cash mein 5% hai. Iska asset concentration bhi kuch nahi hai. Fund B ka asset allocation Equity mein 97%, aur T-Bills mein 3% hai. Iska asset concentration bhi bahut jyada hai. Isliye, Fund A ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Groww Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Ismein, Fund A ka 5Y return 6.09% hai, jo Fund B ka -0.27% se jyada hai. Isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Lekin, Fund B ka riskometer Very High hai, aur volatility 12.95% hai. Iske expense ratio bhi 1.68% hai. Isliye, Fund B ke expense ratio aur volatility ke liye nahi hai.
Q3: Which fund is more cost-effective?
Fund A ke expense ratio 0.12% hai, jo Fund B ke 1.68% se jyada kam hai. Isliye, Fund A cost-effective 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