SBI Liquid Fund vs HSBC 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 hain jo ki SBI aur HSBC se hain. Ye don aapke paise ko saaf aur surakshit rakhne ke liye hai. Aaj hum in dono funds ko compare karenge taki aapko pata chale ki konsa fund aapke liye achha hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HSBC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.13% |
| 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) | Cheenu Gupta (3.5 years yrs) |
| 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% | 215% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko batayenge ki konsa fund aapke liye achha hai. Dekho, Fund A ka 3Y return 6.89% hai, jabki Fund B ka 6.93% hai. Lekin expense ratio me Fund A kam hai. Chaliye, hum bataayenge ki konsa fund aapke liye better 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Ab hum jaante hain ki monthly SIP ke liye konsa fund achha hai. Dekho, Fund A ka 1Y return 6.15% hai, jabki Fund B ka 6.17% hai. Lekin Fund A ka 5Y return 6.09% hai, jabki Fund B ka 6.11% hai. Haan, Fund B ka consistency aur return stability me bada fayda hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio aur expense ratio ke liye compare karenge. Dekho, Fund A ka riskometer Low hai, jabki Fund B ka bhi Low hai. Lekin Fund B ka Sharpe ratio 3.91 hai, jabki Fund A ka 3.25 hai. Haan, Fund B ka expense ratio 0.13% hai, jabki Fund A ka 0.12% hai.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ke liye compare karenge. Dekho, dono funds ka asset allocation T-Bills, CD, CP aur Cash me 65%, 20%, 10%, aur 5% hai. Lekin Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills me 8.5%, 7.2%, aur 6.8% hai. Haan, Fund B ka bhi top 3 holdings same hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
HSBC 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?
Sach ye hai, Fund B ka 5Y return 6.11% hai, jabki Fund A ka 6.09% hai. Isliye, Fund B aapke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher Sharpe ratio hai, lekin volatility bhi kam hai. Isliye, Fund B ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jabki Fund B ka 0.13% hai. Isliye, Fund A aapke liye more 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