SBI Liquid Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.97%
Dekho, aapko do liquid funds ke baare mein jaanne ke liye aaya hoon - SBI Liquid Fund aur JM Financial Liquid Fund. Ye dono funds low-risk category mein aate hain lekin kya hoga agar aapko long-term wealth creation ke liye invest karna hai. Aaj humein yeh jaanne ke liye ki kis fund se better returns milega. Chaliye, shuru karein.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 363.19 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 3.92 |
| 1 Year Return (%) | 6.15% | 6.21% |
| 3 Year Return (%) | 6.89% | 6.97% |
| 5 Year Return (%) | 6.09% | 6.16% |
| Since Launch (%) | 6.79% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 8 March 2016 |
| 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 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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, aapko pata chal gaya hai ki humein long-term wealth creation ke liye 3Y return, expense ratio, aur risk ke baare mein sochne hain. Dekho, Fund A ki 3Y return 6.89% hai, jo Fund B ki 6.97% se kam hai. Lekin expense ratio fund A ki 0.12% hai, jo fund B ki 0.12% se bhi kam hai. Riskometer dono fund low risk hai lekin Sharpe ratio fund B ki 3.92 hai, jo fund A ki 3.25 se bhi adhik hai. Sach ye hai, fund B ismei se 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Chaliye, SIP ke liye fund A aur fund B ka comparison karenge. Dekho, fund A ki 5Y return 6.09% hai, jo fund B ki 6.16% se kam hai. Lekin fund A ki asset allocation T-Bills mein 65% hai, jo fund B ki 65% se bhi kam hai. Fund A ki top holdings mein State Bank of India CD 8.5% hai, jo fund B ki 8.5% se bhi kam hai. Sach ye hai, fund B ismei se better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Haan, riskometer aur volatility ke baare mein sochne hain. Dekho, fund A ki riskometer low hai lekin volatility 0.12 hai. Fund B ki riskometer bhi low hai lekin volatility bhi 0.12 hai. Sharpe ratio fund B ki 3.92 hai, jo fund A ki 3.25 se bhi adhik hai. Expense ratio dono fund 0.12% hai. Sach ye hai, fund B ismei se better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Chaliye, asset allocation aur top holdings concentration ke baare mein sochne hain. Dekho, fund A ki asset allocation T-Bills mein 65% hai, CD mein 20% hai, CP mein 10% hai, aur cash mein 5% hai. Fund B ki asset allocation bhi T-Bills mein 65% hai, CD mein 20% hai, CP mein 10% hai, aur cash mein 5% hai. Top holdings mein dono fund mein State Bank of India CD 8.5% hai aur HDFC Bank CD 7.2% hai. Sach ye hai, dono fund mein asset allocation aur top holdings concentration ek jaisa hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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 B ki 5Y return 6.16% hai, jo fund A ki 6.09% se adhik hai. Isliye fund B se better returns milega.
Q2: Is the higher risk fund worth it?
Volatility fund A ki 0.12 hai, jo fund B ki 0.12 se bhi kam hai. Sharpe ratio fund B ki 3.92 hai, jo fund A ki 3.25 se bhi adhik hai. Isliye fund B ismei se better hai.
Q3: Which fund is more cost-effective?
Expense ratio dono fund 0.12% hai. Isliye dono fund 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