SBI Liquid Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
16.22%
Hum aapke saamne do alag-alag types ke mutual funds hain. Ek Fund A, jo liquid fund hai, aur doosra Fund B, jo ELSS (Equity Linked Savings Scheme) hai. Ye dono funds different categories mein hain aur unki investment strategies bhi alag-alag hain. Aaj hum aapko fund A aur fund B ke liye investment karne ke liye kya chunna hai yeh decide karne mein madad karenge.
[VERDICT]| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 4351.16 | 1325.00 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.24% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.3 |
| Sharpe Ratio | 3.25 | 0.73 |
| 1 Year Return (%) | 6.15% | -5.24% |
| 3 Year Return (%) | 6.89% | 16.22% |
| 5 Year Return (%) | 6.09% | 16.62% |
| Since Launch (%) | 6.79% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 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%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 260% | 32% |
🤖 AI Verdict – Which is Better?
Chaliye, 3Y return, expense ratio, aur risk ka dhyan rakhte hue hum dekhenge ki konsa fund aapke liye better hai. Fund B, HDFC ELSS Tax Saver Fund, 3Y return mein 16.22% ka return diya hai, jo kafi jyada hai. Lekin expense ratio 1.24% hai, jo bahut jyada hai. Fund A, SBI Liquid Fund, expense ratio 0.12% hai. Lekin long-term risk bhi bahut jyada hai. Sach ye hai, Fund B long-term mein aapke liye better hai, lekin aapko risk ko accept karna hoga.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye Fund A sabse suitable hai. Iska reason hai ki iska return consistent hai aur volatility bhi kam hai. Fund B ka return bhi jyada hai, lekin risk bhi bahut jyada hai. Isliye, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se fund A aur fund B ke beech ka comparison karenge. Fund B ka riskometer very high hai, lekin Sharpe ratio 0.73 hai, jo fund A ki 3.25 se kam hai. Iske alawa, fund B ka volatility 13.3 hai, jo fund A ki 0.12 se zyada hai. Isliye, fund B mein risk-adjusted returns bhi kam hain.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Asset allocation ka comparison karenge. Fund A mein T-Bills, CD, CP, aur cash ka asset allocation hai. Fund B mein Equity ka asset allocation 96.57% hai, jo bahut jyada hai. Top holdings mein bhi Fund A ka concentration kam hai. Sach ye hai, Fund A portfolio diversification mein better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 ka 5Y return 16.62% hai, jo fund A ka 6.09% se zyada hai. Isliye, fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ka volatility 13.3 hai, lekin Sharpe ratio 0.73 hai, jo fund A ki 3.25 se kam hai. Isliye, fund B mein risk-adjusted returns kam hain.
Q3: Which fund is more cost-effective?
Chaliye, fund A ki expense ratio 0.12% hai, jo fund B ki 1.24% se kam hai. Isliye, fund A adhik 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