SBI Liquid Fund vs Mirae Asset ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.73%
Ek baat yeh hai ki Fund A aur Fund B do alag-alag categories mein hain. Fund A ek Liquid Fund hai, jiska matlab hai ki yeh ek aam tarike se risk-free investment hai, jabki Fund B ek ELSS (Equity Linked Savings Scheme) hai, jiska matlab hai ki yeh ek riski investment hai. Is liye, aaj ham yeh dekhenge ki konsa fund aapke liye better hai aur kaise.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Liquid | ELSS |
| NAV (₹) | 4351.16 | 48.73 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.85 |
| Sharpe Ratio | 3.25 | 0.59 |
| 1 Year Return (%) | 6.15% | 2.19% |
| 3 Year Return (%) | 6.89% | 14.73% |
| 5 Year Return (%) | 6.09% | 12.52% |
| Since Launch (%) | 6.79% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Neelesh Surana (10.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 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. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 260% | 69% |
🤖 AI Verdict – Which is Better?
Haan, Fund B ka 3Y return 14.73% hai, jabki Fund A ka 14.73% se kam hai. Lekin expense ratio ke liye, Fund A bahut achha hai. Riskometer ke liye bhi, Fund A bahut kam jatil hai. Haan, dekho, Fund B ka riskometer Very High hai. Isliye, hum kahaenge 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 Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
Chaliye, Fund A ka 3Y return 6.89% hai, jabki Fund B ka 14.73% hai. Lekin Fund B ka volatility bahut jatil hai. Isliye, Fund A monthly SIP ke liye better hai, kyonki yeh consistency aur return stability ka guarantee deta hai.
⚠️ Risk & Cost Analysis
Isme hum riskometer, volatility, Sharpe ratio, aur expense ratio dekhenge ki konsa fund better risk-adjusted returns deta hai. Fund A ki riskometer Low hai, lekin Fund B ki riskometer Very High hai. Lekin Fund B ki volatile hai, lekin Fund A ki volatility kam hai. Sharpe ratio dekhenge toh Fund A ki Sharpe ratio Fund B se jyada hai, lekin expense ratio dekhenge toh Fund B ki expense ratio Fund A se jyada hai. Toh, yeh verdict hai ki Fund A aapke liye better hai, lekin sirf aapko risk le sakne mein saksham ho.
📊 Portfolio Diversification
Isme hum asset allocation aur top holdings concentration dekhenge ki konsa fund diversified hai aur konsa sector risk ka khata hai. Fund A ki asset allocation T-Bills, CD, CP, aur Cash mein hai, jisse yeh fund diversified hai. Lekin Fund B ki asset allocation Equity mein hai, jisse yeh fund sector risk ka khata hai. Top holdings concentration dekhenge toh Fund A ka top holding State Bank of India CD hai, jisse yeh fund diversified hai, lekin Fund B ka top holding HDFC Bank Ltd. hai, jisse yeh fund sector risk ka khata hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@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 ki 5Y return Fund A ki 5Y return se jyada hai, lekin Fund B ki 1Y return Fund A ki 1Y return se kam hai. Toh, yeh fund long run me better returns deta hai.
Q2: Is the higher risk fund worth it?
Hmm, yeh to pata hai ki Fund B ki riskometer Very High hai, lekin yeh fund Sharpe ratio se kam hai. Toh, yeh fund aapke liye worth hai, lekin sirf aapko risk le sakne mein saksham ho.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ki expense ratio Fund B ki expense ratio se kam hai. Toh, yeh fund aapke liye 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