SBI Liquid Fund vs JM Financial 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 are comparing Fund A, SBI Liquid Fund - Direct Plan - Growth, and Fund B, JM Financial Large Cap Fund - Direct Plan - Growth. Both funds have different categories and risk profiles. We will be analyzing their performance, risk, and cost to help you decide which fund is better for your long-term wealth creation goals.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BJM Financial Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.26 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.25 |
| Sharpe Ratio | 3.25 | 0.67 |
| 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) | Asit Bhandarkar (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% | 26% |
🤖 AI Verdict – Which is Better?
After analyzing the data, we find that Fund A is a better choice for long-term wealth creation. Its 3Y return of 6.89% is higher than Fund B's 14.7%, while its expense ratio of 0.12% is lower. Additionally, Fund A has a low riskometer, indicating a lower risk profile. However, for investors willing to take on higher risk, Fund B may provide better returns in the long run.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider JM Financial Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.26 Lac Cr
- Sharpe Ratio: 0.67
📈 SIP Suitability
For a monthly SIP of 10+ years, we recommend Fund A. Its consistent returns and lower volatility make it a better choice for long-term investments. While Fund B's high returns may be attractive, its high volatility and riskometer make it less suitable for a regular SIP.
⚠️ Risk & Cost Analysis
Comparing the two funds, we see that Fund A has a lower riskometer and volatility, indicating a lower risk profile. Its Sharpe ratio of 3.25 is also higher, indicating better risk-adjusted returns. On the other hand, Fund B has a very high riskometer and volatility, making it a riskier investment. Its expense ratio of 0.52% is also higher than Fund A's 0.12%.
📊 Portfolio Diversification
Haan, portfolio diversification ke liye humein fund ke asset allocation aur top holdings concentration par dhyan dena chahiye. Dekho, SBI Liquid Fund ka asset allocation T-Bills mein 65%, CD mein 20%, CP mein 10% aur cash mein 5% hai. Iske alawa, iska top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hain. Iske virudh, JM Financial Large Cap Fund ka asset allocation Equity mein 96% aur T-Bills mein 4% hai. Iske alawa, iska top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. mein hain. Chaliye, hum is fund ke beech ka comparison karenge aur dekhenge ki kis fund se aapka paisa safed aur zaroorat purn hoga.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
JM Financial 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?
SBI Liquid Fund ka 5Y return 6.09% hai, jo iska ek bahut hi accha point hai. Iske alawa, iska Sharpe ratio 3.25 hai, jo bhi iska ek bahut hi accha point hai.
Q2: Is the higher risk fund worth it?
JM Financial Large Cap Fund ka riskometer Very High hai aur iska volatility 12.25 hai. Iske virudh, SBI Liquid Fund ka riskometer Low hai aur iska volatility 0.12 hai. Isliye, SBI Liquid Fund se aapka paisa safed aur zaroorat purn hoga.
Q3: Which fund is more cost-effective?
SBI Liquid Fund ka expense ratio 0.12% hai, jo iska ek bahut hi accha point hai. Iske alawa, iska AUM 71248.45 Cr hai, jo bhi iska ek bahut hi accha point hai. Iske virudh, JM Financial Large Cap Fund ka expense ratio 0.52% hai, jo iska ek bahut hi bura point hai. Isliye, SBI Liquid Fund se aapka paisa safed aur zaroorat purn hoga.
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