SBI Liquid Fund vs Navi Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.93%
Ab aap dono funds, SBI Liquid Fund aur Navi Mutual Fund Liquid Fund, Liquid category mein hain. Yaha aapko fund ke 3Y return, expense ratio aur risk par focus milenga. Dekho ke aapko ye dono funds mein kya difference hai aur fund ke liye kya aapko sunishchit karna hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.25 | 3.31 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.89% | 6.93% |
| 5 Year Return (%) | 6.09% | 6.11% |
| Since Launch (%) | 6.79% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, fund ke liye humein 3Y return, expense ratio aur risk ka focus karna hai. Fund B, Navi Mutual Fund Liquid Fund, 3Y return mein SBI Liquid Fund se adhik hai (6.93% vs 6.89%). Lekin expense ratio mein dono funds ek hi hain (0.12%). Riskometer bhi dono low hai. Lekin Sharpe ratio mein Fund B adhik hai (3.31 vs 3.25). Sach ye hai, Fund B ke liye 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Aapke liye fund ki SIP suitability ke liye 10+ years ke liye 1Y aur 3Y return ki consistency aur stability dikhayenge. Fund B, Navi Mutual Fund Liquid Fund, 1Y return mein SBI Liquid Fund se adhik hai (6.17% vs 6.15%). Lekin 3Y return mein dono funds ek hi hai (6.93%). Fund B ke 3Y return mein consistency aur stability dono funds ki tule mein adhik hai. Haan, Fund B ke liye SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer se dekho, dono funds low hai. Lekin volatility mein Fund B adhik hai (0.13 vs 0.12). Sharpe ratio mein Fund B adhik hai (3.31 vs 3.25). Expense ratio mein dono funds ek hi hai (0.12%). Risk-adjusted return mein Fund B ke liye better hai. Haan, Fund B ke liye risk-adjusted return mein better hai.
📊 Portfolio Diversification
Asset allocation se dekho, dono funds T-Bills, CD, CP aur cash mein 65%, 20%, 10%, aur 5% allocation hai. Top holdings mein bhi dono funds State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein 8.5%, 7.2%, aur 6.8% investment hai. Lekin asset allocation mein dono funds ek hi hai. Top holdings mein bhi dono funds ek hi hai. Haan, dono funds mein portfolio diversification aur sector risk mein ek hi hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Navi Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
5Y return mein Fund B, Navi Mutual Fund Liquid Fund, SBI Liquid Fund se adhik hai (6.11% vs 6.09%). Haan, Fund B ke liye long-run mein better hai.
Q2: Is the higher risk fund worth it?
Fund B ke volatility aur Sharpe ratio mein dono funds ek hi hai. Lekin Fund B ke liye risk-adjusted return mein better hai. Haan, Fund B ke liye higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Expense ratio mein dono funds ek hi hai (0.12%). Lekin Fund B ke liye risk-adjusted return mein better hai. Haan, Fund B ke liye 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