SBI Liquid Fund vs Mirae Asset Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.03%
Ek baar phir aapko dekho, ye do fund ki comparison karni hai. Fund A, SBI Liquid Fund, ek liquid fund hai, jabki Fund B, Mirae Asset Mid Cap Fund, ek mid cap fund hai. Is article mein, hum aapko ye jaankari dengay ki Fund A aur Fund B mein kya antar hai aur kis fund mein aapko invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BMirae Asset Mid Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Mirae Asset |
| Category | Liquid | Mid Cap |
| NAV (₹) | 4351.16 | 38.13 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.67% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.96 |
| Sharpe Ratio | 3.25 | 0.37 |
| 1 Year Return (%) | 6.15% | 2.41% |
| 3 Year Return (%) | 6.89% | 12.03% |
| 5 Year Return (%) | 6.09% | 9.36% |
| Since Launch (%) | 6.79% | 13.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 22 August 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Ankit Jain (6.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Indusind Bank Ltd. (3.74%), Bharat Forge Ltd. (3.49%), Lupin Ltd. (3.47%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.85% | Mutual Fund: 0.26% |
| Portfolio Turnover | 260% | 47% |
🤖 AI Verdict – Which is Better?
Haan, humne Fund A aur Fund B ki comparison karni hai. Fund B ka 3Y return 12.03% hai jabki Fund A ka 3Y return 6.89% hai. Lekin, expense ratio mein bhi antar hai. Fund B ka expense ratio 1.67% hai jabki Fund A ka expense ratio 0.12% hai. Riskometer bhi ek factor hai. Fund B ka riskometer Very High hai jabki Fund A ka riskometer Low hai. Isliye, hum kehenge ki Fund A aapke 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 Mid Cap Fund?
- Expense ratio: 1.67%
- 3Y return: 12.03%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 0.37
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, hum dekhege ki Fund A aur Fund B mein kya antar hai. Fund A ka consistency aur return stability bahut achha hai. Isiliye, hum kehenge ki Fund A aapke liye better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ko dekhte hue, hum pata chala ki Fund A mein better risk-adjusted returns hai. Fund A ka riskometer Low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai, aur expense ratio 0.12% hai. Isliye, hum kehenge ki Fund A aapke liye better hai.
📊 Portfolio Diversification
Fund A aur Fund B ka asset allocation aur top holdings concentration ko dekhte hue, hum pata chala ki Fund A mein better portfolio diversification hai. Fund A ka asset allocation T-Bills, CD, CP, aur cash mein hai, jabki Fund B ka asset allocation equity mein hai. Isliye, hum kehenge ki Fund A aapke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Mirae Asset Mid Cap Fund
₹1163772.71
@12.0% 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?
Fund B ka 5Y return 9.36% hai jabki Fund A ka 5Y return 6.09% hai. Isliye, Fund B aapke liye better hai long run mein.
Q2: Is the higher risk fund worth it?
Fund B ka volatility 14.96 hai, jabki Fund A ka volatility 0.12 hai. Sharpe ratio mein bhi antar hai. Fund B ka Sharpe ratio 0.37 hai jabki Fund A ka Sharpe ratio 3.25 hai. Isliye, Fund A aapke liye better hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.12% hai jabki Fund B ka expense ratio 1.67% hai. Isliye, Fund A aapke liye better hai cost-effectiveness ke liye.
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