SBI Liquid Fund vs Mirae Asset Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
11.03%
Milke bhai, aaj hum do funds ke beech ki tareef kar rahe hain. Fund A SBI Liquid Fund hai, jo Liquid category mein aata hai. Fund B Mirae Asset Large Cap Fund hai, jo Large Cap category mein aata hai. Aaj hum kya seekhenge? Fund A aur Fund B ke beech ki comparison, aur kya fund long term mein aapke wealth ko banane mein aisa hai jo aapko seekhne ke liye kai baatein.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BMirae Asset Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 122.90 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.57% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.64 |
| Sharpe Ratio | 3.25 | 0.39 |
| 1 Year Return (%) | 6.15% | -2% |
| 3 Year Return (%) | 6.89% | 11.03% |
| 5 Year Return (%) | 6.09% | 10.78% |
| Since Launch (%) | 6.79% | 14.98% |
| 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) | Gaurav Misra (7.3 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY 100 Total Return Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (9.15%), ICICI Bank Ltd. (8.12%), Reliance Industries Ltd. (5.76%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 99.63% | Mutual Fund: 0.17% |
| Portfolio Turnover | 260% | 20% |
🤖 AI Verdict – Which is Better?
Ab kuchh logon ka yeh question rahega ki Fund A kya Fund B se accha hai? Haan, yeh to sach hai ki Fund B ka 3Y return 11.03% hai, jiska 3Y return Fund A ka 6.89% hai. Lekin expense ratio aur risk ke dauran Fund A accha hai. Fund A ka expense ratio 0.12% hai, jiska 5Y return 6.09% hai. Fund B ka expense ratio 0.57% hai, jiska 5Y return 10.78% hai. Riskometer mein bhi Fund A accha hai. Isliye hamara verdict hai ki Fund A long term mein aapke wealth ko banane mein accha 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 Large Cap Fund?
- Expense ratio: 0.57%
- 3Y return: 11.03%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Ab koi apne paison ka SIP karne ke liye socha hai, toh wo fund kya chune? Fund B ka 3Y return 11.03% hai, jiska 1Y return -2% hai. Isliye yeh fund monthly SIP ke liye thoda unstable hai. Fund A ka 1Y return 6.15% hai, jiska 3Y return 6.89% hai. Isliye Fund A accha hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer mein Fund A low hai, jiska 5Y return 6.09% hai. Fund B ka riskometer very high hai, jiska 5Y return 10.78% hai. Volatility mein bhi Fund A accha hai. Iske Sharpe ratio 3.25 hai, jiska expense ratio 0.12% hai. Fund B ka Sharpe ratio 0.39 hai, jiska expense ratio 0.57% hai. Isliye risk-adjusted return mein Fund A accha hai.
📊 Portfolio Diversification
Asset allocation mein Fund A accha hai. Unka asset allocation T-Bills mein 65.00% hai, jiska CD mein 20.00% hai. Fund B ka asset allocation equity mein 99.63% hai, jiska mutual fund mein 0.17% hai. Top holdings mein bhi Fund A accha hai. Unka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, lekin Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hai. Isliye sector risk mein Fund A accha hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Mirae Asset Large Cap Fund
₹1096870.77
@11.0% 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 ki Fund B ka 5Y return 10.78% hai, jiska 3Y return 11.03% hai. Isliye Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, yeh to sach hai ki Fund B ka riskometer very high hai, jiska Sharpe ratio 0.39 hai. Lekin yeh to sach hai ki Fund A ka riskometer low hai, jiska Sharpe ratio 3.25 hai. Isliye Fund B ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.12% hai, jiska expense ratio Fund B ka 0.57% hai. Isliye Fund A more 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