SBI Liquid Fund vs HSBC 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%
Today, we're comparing two funds from different categories - liquid and large cap. Dekho, we'll see which one is suitable for long-term wealth creation. Fund A, SBI Liquid Fund, is a low-risk option, while Fund B, HSBC Mutual Fund Large Cap Fund, is a high-risk option. Chaliye, let's dive in and find out which fund is better.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.97 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.46 |
| Sharpe Ratio | 3.25 | 0.72 |
| 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) | Cheenu Gupta (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% | 18% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B, HSBC Mutual Fund Large Cap Fund, is not suitable for long-term wealth creation due to its high risk and low returns in the last year. Fund A, SBI Liquid Fund, is a better option with consistent returns and low expense ratio. Haan, it's a safer bet for long-term growth.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider HSBC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.97 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
For a monthly SIP for 10+ years, Fund A, SBI Liquid Fund, is a better option. Dekho, its consistency and return stability are better than Fund B. Lekin, Fund B has a higher potential for growth if the market performs well.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se hum dekhte hain ki HSBC Mutual Fund Large Cap Fund aapke liye behtar hai. HSBC Mutual Fund Large Cap Fund ka riskometer Very High hai, jiska matlab hai ki ye fund aapke liye behtar hai. HSBC Mutual Fund Large Cap Fund ka volatility 11.46 hai, jiska matlab hai ki ye fund aapke liye behtar hai. Sharpe ratio ke hisab se bhi HSBC Mutual Fund Large Cap Fund aapke liye behtar hai. Isse yeh clear hai ki HSBC Mutual Fund Large Cap Fund aapke liye behtar hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisab se hum dekhte hain ki HSBC Mutual Fund Large Cap Fund aapke liye behtar hai. HSBC Mutual Fund Large Cap Fund mein equity 96% aur T-Bills 4% hai. Isse yeh clear hai ki HSBC Mutual Fund Large Cap Fund aapke liye behtar hai. Top holdings concentration ke hisab se bhi HSBC Mutual Fund Large Cap Fund aapke liye behtar hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
HSBC 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?
Fund A, SBI Liquid Fund, has better long-term returns with 5Y return of 6.09% compared to 5Y return of 12.03% of Fund B.
Q2: Is the higher risk fund worth it?
No, Fund B is not worth the higher risk due to its high volatility and lower Sharpe ratio compared to Fund A.
Q3: Which fund is more cost-effective?
Fund A, SBI Liquid Fund, is more cost-effective with an expense ratio of 0.12% compared to Fund B with an expense ratio of 0.52%.
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