SBI Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.82%
Agar aapko pata hai ki kya ek liquid fund aur kya ek large cap fund ka difference hai, toh aapko is post mein kuch naya seekhne ko milenga. Dekhiye Fund A aur Fund B mein kya fark hai aur kya aapke liye sahi fund hai.
[VERDICT]| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 635.60 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.32 |
| Sharpe Ratio | 3.25 | 0.56 |
| 1 Year Return (%) | 6.15% | -2.46% |
| 3 Year Return (%) | 6.89% | 12.82% |
| 5 Year Return (%) | 6.09% | 12.2% |
| Since Launch (%) | 6.79% | 13.87% |
| 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) | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
Haan, humari verdict hai ki Fund A, SBI Liquid Fund, long-term wealth creation ke liye behtar fund hai. Iska reason hai uska 3Y return, jo 6.89% hai, aur expense ratio, jo 0.12% hai. Fund B ka riskometer very high hai, lekin uska 3Y return bhi kam hai.
[SIP_SUITABILITY]Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
Chaliye, Fund A aur Fund B mein SIP ke liye kya hai. Fund A ka 3Y return aur riskometer donon kam hai, toh yeh fund SIP ke liye sahi hai. Fund B ka 3Y return jyada hai, lekin uska riskometer bhi jyada hai, toh yeh fund SIP ke liye sahi nahi hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Sach ye hai, Fund A ka riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.25 hai. Fund B ka riskometer very high hai, volatility 11.32 hai, aur Sharpe ratio 0.56 hai. Fund A ka expense ratio 0.12% hai, Fund B ka expense ratio 1.36% hai. Fund A mein better risk-adjusted returns hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Portfolio diversification ke liye dekhiye, Fund A mein T-Bills, CD, CP, aur cash ki allocation hai, jo 100% hai. Fund B mein equity aur T-Bills ki allocation hai, jo 96% hai. Fund A ka asset allocation more diversified hai, lekin Fund B ka risk sector hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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 5Y return 12.2% hai, lekin Fund A ka 5Y return 6.09% hai. Haan, Fund B ka 5Y return jyada hai, lekin Fund A ka riskometer low hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility jyada hai, lekin uska Sharpe ratio kam hai. Fund B mein sector risk hai, aur uska expense ratio bhi jyada hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.12% hai, jo Fund B se jyada chota hai. Fund A mein better cost-effectiveness 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