SBI Liquid Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.55%
Aaj hum aapko do liquid funds ke beech ka comparison karne ja rahe hain - SBI Liquid Fund aur Motilal Oswal Liquid Fund. Ye do fund category liquid hain aur apne investment ke liye ek achchha vikalp hain. Dekho, fund A aur fund B dono mein kya aacha hai aur kya nahin?
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 14.67 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 0.42 |
| 1 Year Return (%) | 6.15% | 5.84% |
| 3 Year Return (%) | 6.89% | 6.55% |
| 5 Year Return (%) | 6.09% | 5.76% |
| Since Launch (%) | 6.79% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 260% | 261% |
🤖 AI Verdict – Which is Better?
Sach ye hai, fund A (SBI Liquid Fund) 3Y return ke hisaab se acha lagta hai. Iska 3Y return 6.89% hai, jiska 3Y return fund B (Motilal Oswal Liquid Fund) 6.55% hai. Lekin expense ratio ka dhyaan mein rakhna bhi zaroori hai. Fund A ka expense ratio 0.12% hai, jiska fund B ka 0.12% hai. Haan, dono fund meh low riskometer hai, lekin fund A ka Sharpe ratio 3.25 hai, jiska fund B ka 0.42 hai. Toh, fund A acha lagta hai long-term wealth creation ke liye.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye fund A (SBI Liquid Fund) acha hai. Iska 3Y return stability se acha hai, aur expense ratio bhi kam hai. Fund B (Motilal Oswal Liquid Fund) ka 3Y return thoda kam hai, aur expense ratio bhi kam hai lekin fund A ka return stability se acha hai. Toh, fund A acha hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se fund A (SBI Liquid Fund) acha hai. Iska riskometer low hai aur volatility 0.12 hai, jiska fund B ka 0.12 hai. Sharpe ratio ka hisaab bhi fund A ke liye acha hai, jiska 3.25 hai. Fund B ka Sharpe ratio 0.42 hai. Expense ratio bhi fund A ke liye acha hai, jiska 0.12% hai. Toh, fund A acha hai risk-adjusted return ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se fund A (SBI Liquid Fund) acha hai. Iska asset allocation T-Bills, CD, CP aur Cash mein 65%, 20%, 10% aur 5% hai, jiska fund B ka bhi 65%, 20%, 10% aur 5% hai. Toh, dono fund meh asset allocation ek jaisa hai. Lekin, fund A ka top holdings concentration State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein 8.5%, 7.2% aur 6.8% hai, jiska fund B ka bhi 8.5%, 7.2% aur 6.8% hai. Toh, dono fund meh top holdings concentration ek jaisa hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 A (SBI Liquid Fund) ka 5Y return 6.09% hai, jiska fund B (Motilal Oswal Liquid Fund) ka 5.76% hai. Toh, fund A acha hai long-run returns ke liye.
Q2: Is the higher risk fund worth it?
Riskometer aur volatility ke hisaab se fund A (SBI Liquid Fund) acha hai. Iska riskometer low hai aur volatility 0.12 hai, jiska fund B ka 0.12 hai. Toh, fund A na jaanakar nahin hai ki woh higher risk fund hai.
Q3: Which fund is more cost-effective?
Expense ratio ke hisaab se fund A (SBI Liquid Fund) acha hai. Iska expense ratio 0.12% hai, jiska fund B ka 0.12% hai. Toh, dono fund meh expense ratio ek jaisa 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