SBI Liquid Fund vs LIC Mutual Fund 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%
Ab aap dono fundon ka ek compare karenge. Fund A ek Liquid Fund hai, jabki Fund B ek Multi Cap Fund hai. Aap kis fund mein invest karna chahte hain aur kyun? Aaj hum dono fundon ka analysis karenge aur kis fund ko long term wealth creation ke liye better dikhaayenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | LIC Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 19.01 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.9 |
| Sharpe Ratio | 3.25 | 1.03 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.89% | 20.86% |
| 5 Year Return (%) | 6.09% | 11.46% |
| 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) | Yogesh Patil (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% | 38% |
🤖 AI Verdict – Which is Better?
Long term wealth creation ke liye, 3Y return, expense ratio, aur risk ka mukhya dhyan rakhna hota hai. Fund B ka 3Y return 20.86% hai, jabki Fund A ka 6.89% hai. Lekin, Fund B ka expense ratio bahut jyada hai, 1.68%. Fund A ka expense ratio 0.12% hai. Riskometer ke hisab se bhi, Fund A Low risk hai, jabki Fund B Very High risk hai. To, hume lagta hai ki Fund A long term wealth creation ke liye 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 LIC Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, Fund A ka consistency aur return stability bahut achha hai. Fund A ka 1Y return 6.15% hai, 3Y return 6.89% hai, aur 5Y return 6.09% hai. Fund B ka 1Y return 5.23% hai, 3Y return 20.86% hai, aur 5Y return 11.46% hai. Lekin, Fund B ka risk bahut zyada hai. To, hume lagta hai ki Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisab se, Fund A bahut kam risk hai, aur Fund B bahut jyada risk hai. Fund A ka Riskometer Low hai, aur volatility 0.12% hai, jabki Fund B ka Riskometer Very High hai, aur volatility 13.9% hai. Sharpe ratio ke hisab se bhi, Fund A 3.25 hai, aur Fund B 1.03 hai. To, hume lagta hai ki Fund A risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A ka portfolio bahut diversified hai. Fund A mein 65% T-Bills, 20% CD, 10% CP, aur 5% Cash hai. Fund B mein 97% Equity aur 3% T-Bills hai. Top holdings ke hisab se bhi, Fund A mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jabki Fund B mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. To, hume lagta hai ki Fund A portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
LIC Mutual Fund 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?
Long run ke returns ke hisab se, Fund A ka 5Y return 6.09% hai, aur Fund B ka 5Y return 11.46% hai. To, Fund B long run ke returns ke liye better hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke hisab se, Fund B ka risk bahut zyada hai, aur Sharpe ratio kam hai. To, hume lagta hai ki Fund B ka higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisab se, Fund A 0.12% hai, aur Fund B 1.68% hai. To, 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