SBI Liquid Fund vs Kotak Mahindra 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%
Dekho, aaj hum do liquid funds ki comparison karne ja rhe hain - SBI Liquid Fund aur Kotak Mahindra Liquid Fund. Ye donon fund low-risk hain, lekin kya unka performance accha hai? Ye janna humein yahaan se shuru karte hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Kotak Mahindra |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term mein 3Y return, expense ratio, aur risk ke adhar par, Kotak Mahindra Liquid Fund better hai. Yah fund 6.93% ka 3Y return deta hai, jo SBI Liquid Fund ka 6.89% se zyada hai. Aapki paise ki suraksha ke liye, expense ratio bhi Kam hai, 0.12% hi.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Lekin, when it comes to a monthly SIP for 10+ years, we need to consider consistency and return stability. Both funds have a similar asset allocation and top holdings, which means they are relatively stable. However, Kotak Mahindra Liquid Fund - Direct Plan - Growth has a slightly higher Sharpe ratio of 3.91, indicating better risk-adjusted returns.
⚠️ Risk & Cost Analysis
Dekho, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Although SBI Liquid Fund - Direct Plan - Growth has a better Sharpe ratio of 3.25, Kotak Mahindra Liquid Fund - Direct Plan - Growth has a lower volatility of 0.11. Haan, this makes it a better option for risk-averse investors.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, donon fund ki asset allocation ek hi hai, T-Bills, CD, CP, aur Cash. Lekin top holdings concentration ke liye, SBI Liquid Fund ka top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai, jisse yah fund sector risk ko kam karta hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Kotak Mahindra 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, Kotak Mahindra Liquid Fund ka 5Y return 6.11% hai, jo SBI Liquid Fund ka 6.09% se zyada hai. Dono fund ka 3Y return ek hi hai, 6.89%.
Q2: Is the higher risk fund worth it?
Nahin, agar aap higher risk fund lena chahte hain, toh aapko volatility aur Sharpe ratio ko dhyan mein rakhna hoga. Volatility ke liye, SBI Liquid Fund jyada hai, lekin Sharpe ratio ke liye, Kotak Mahindra Liquid Fund adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai, dono fund ek hi expense ratio deta hai, 0.12%. Toh yah fund cost-effective nahin hai. Aapko AUM aur expense ratio ko bhi dhyan mein rakhna hoga. AUM ke liye, Kotak Mahindra Liquid Fund Kam hai, lekin dono fund ek hi expense ratio deta 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