SBI Liquid Fund vs LIC Mutual Fund 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%
Dekho, aaj hum do aise funds ka comparison karne wale hain jo aapke paiso ko invest karne ke liye sahi hain. Fund A, SBI Liquid Fund, ek liquid fund hai jiska AUM 72,000 crore hai aur Fund B, LIC Mutual Fund Large Cap Fund, ek large cap fund hai jiska AUM 22,000 crore hai. Chaliye, aapko yeh jaan karne mein madad karega ki aapko kis fund mein invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.93 |
| Sharpe Ratio | 3.25 | 0.69 |
| 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) | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Aaj humein dekhna hai ki kaunsa fund long-term seva ka pradaan kar sakta hai. Dekho, 3-sal ki return, expense ratio, aur riskmeter ka baat karate hain. Haan, Fund B ka 3-sal return 14.7% hai, lekin expense ratio bhi 0.52% hai. Lekin Fund A ka expense ratio 0.12% hai aur 3-sal return 6.89% hai. Sach ye hai, Fund A ka 3-sal return Fund B se kam hai, lekin expense ratio bahut kam hai. Isliye, humein lagta hai ki Fund A long-term seva ke liye better fund 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 LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, humein apne investment ke liye consistent return aur stability ka dhyan rakhna hoga. Dekho, Fund A ka 1-sal return 6.15% hai, lekin Fund B ka 1-sal return -4.02% hai. Lekin Fund A ka 3-sal return 6.89% hai, jiska matlab hai ki Fund A ka return stability seva kar raha hai. Isliye, humein lagta hai ki Fund A SIP ke liye suitable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ka baat karate hain. Dekho, Fund A ka Riskometer Low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai, aur expense ratio 0.12% hai. Fund B ka Riskometer Very High hai, volatility 11.93 hai, Sharpe ratio 0.69 hai, aur expense ratio 0.52% hai. Isliye, Fund A risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka baat karate hain. Dekho, Fund A ka asset allocation T-Bills mein 65%, CD mein 20%, CP mein 10%, aur cash mein 5% hai. Fund B ka asset allocation equity mein 96% hai. Isliye, Fund A ka asset allocation Fund B ke vismay mein adhik diversified hai. Lekin Fund B ka top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein adhik hai, jiska matlab hai ki Fund B sector risk ka shikaar ho sakta hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
LIC Mutual Fund 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?
Sach ye hai, Fund B ka 5-sal return 12.03% hai, jo ki Fund A ka 5-sal return 6.09% se adhik hai. Lekin expense ratio ka dhyan rakhna hoga.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin volatility aur Sharpe ratio ka dhyan rakhna hoga. Fund B ka volatility 11.93 hai, jiska matlab hai ki risk adhik hai, lekin Sharpe ratio 0.69 hai, jiska matlab hai ki risk-adjusted return adhik hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jo ki Fund B ka expense ratio 0.52% se kam hai. Isliye, Fund A cost-effective fund 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