SBI Liquid Fund vs JM Financial Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
20.86%
yahan hum SBI Liquid Fund aur JM Financial Multi Cap Fund ko compare karenge. Dekho, in dono funds ke categories aur characteristics alag-alag hain. Aaj hum is article mein in dono funds ke beech ki comparison karenge aur aapko pata lagayenge ki kis fund mein aapko invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BJM Financial Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | JM Financial |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 19.01 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.35 |
| Sharpe Ratio | 3.25 | 1 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.89% | 20.86% |
| 5 Year Return (%) | 6.09% | 0% |
| Since Launch (%) | 6.79% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 260% | 44% |
🤖 AI Verdict – Which is Better?
Chaliye, hum isse pehle kis fund mein aapko invest karna chahiye. Haan, yeh fund jo long-term wealth creation ke liye achha hai, uska 3Y return, expense ratio, aur risk dekhein. Sach ye hai, Fund A ka 3Y return 6.89% hai, jo Fund B ka 3Y return 20.86% se kam hai. Lekin, Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 1.68% se kam hai. Aur, Fund A ka riskometer Low hai, jo Fund B ka riskometer Very High hai. Toh, hum Fund A ko long-term wealth creation ke liye better fund manaenge. Dekho, Fund A ka consistency aur return stability bhi adhik 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.63 Lac Cr
- Sharpe Ratio: 1
📈 SIP Suitability
yahan hum SIP (Systematic Investment Plan) ke liye dono funds ko compare karenge. Dekho, SIP ke liye Fund A adhik suitable hai, kyonki yeh fund ka consistency aur return stability adhik hai. Haan, yeh fund monthly SIP ke liye bhi achha hai, kyonki yeh fund ka expense ratio adhik kam hai.
⚠️ Risk & Cost Analysis
Chaliye, hum dono funds ka riskometer, volatility, Sharpe ratio, aur expense ratio compare karenge. Dekho, Fund A ka riskometer Low hai, jo Fund B ka riskometer Very High hai. Lekin, Fund A ka volatility 0.12 hai, jo Fund B ka volatility 14.35 hain. Aur, Fund A ka Sharpe ratio 3.25 hai, jo Fund B ka Sharpe ratio 1 hai. Toh, hum Fund A ko risk-adjusted returns ke liye better fund manaenge.
📊 Portfolio Diversification
yahan hum dono funds ka asset allocation aur top holdings concentration compare karenge. Dekho, Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein hai, jo Fund B ka asset allocation Equity aur T-Bills mein hai. Haan, yeh fund ka top holdings concentration adhik kam hai, kyonki yeh fund ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hain. Lekin, Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hain.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
JM Financial Multi Cap Fund
₹2021967.48
@20.9% 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?
Fund B ka 3Y return 20.86% hai, jo Fund A ka 3Y return 6.89% se adhik hai. Lekin, Fund A ka 5Y return 6.09% hai, jo Fund B ka 5Y return 0% se kam hai. Toh, Fund A long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer Very High hai, lekin yeh fund ka Sharpe ratio 1 hai, jo Fund A ka Sharpe ratio 3.25 se kam hai. Lekin, Fund A ka volatility 0.12 hai, jo Fund B ka volatility 14.35 hain. Toh, yeh decision aapke investment goal aur risk tolerance par nirbhar karega.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 1.68% se adhik kam hai. Toh, Fund A 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