SBI Liquid Fund vs Navi Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
20.86%
Dekho, aap dono funds ka ek comparison karne aaye hain. Ye hai Fund A: SBI Liquid Fund - Direct Plan - Growth aur Fund B: Navi Mutual Fund Multi Cap Fund - Regular Plan - Growth. Aapke paas yeh jaankari hai ki ye dono funds kis category mein aate hain aur yeh kya unke returns hain. Aaj humein yeh jaanne ka mauka milta hai ki kis fund mein lagaane ke liye hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 19.01 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15 |
| Sharpe Ratio | 3.25 | 0.96 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.89% | 20.86% |
| 5 Year Return (%) | 6.09% | 11.52% |
| Since Launch (%) | 6.79% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 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. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 260% | 52% |
🤖 AI Verdict – Which is Better?
Haan, yeh to sakht hai. Fund A ka 3Y return 6.89% hai, jabki Fund B ka 3Y return 20.86% hai. Lekin expense ratio bhi ek bada factor hai. Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.68% hai. Aur yeh riskometer bhi dekhna hai. Fund A ka riskometer Low hai, jabki Fund B ka riskometer Very High hai. Toh lekin, Fund B ka 3Y return bahut achha hai, lekin expense ratio bhi thoda zyada hai. Haan, yeh dono factors dekhkar hum apni verdict dete hain ki Fund B 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Chaliye, SIP suitabiliti ke liye hum dono funds ka 1Y, 3Y, aur 5Y return dekhenge. Fund A ka 1Y return 6.15% hai, jabki Fund B ka 1Y return 5.23% hai. Fund A ka 3Y return 6.89% hai, jabki Fund B ka 3Y return 20.86% hai. Aur Fund A ka 5Y return 6.09% hai, jabki Fund B ka 5Y return 11.52% hai. Toh Fund B ka return bahut achha hai, lekin expense ratio bhi thoda zyada hai. Haan, yeh dono factors dekhkar hum apni verdict dete hain ki Fund B better hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer aur volatility bhi ek bada factor hai. Fund A ka riskometer Low hai aur volatility 0.12 hai, jabki Fund B ka riskometer Very High hai aur volatility 15 hai. Lekin Sharpe ratio bhi dekhna hai. Fund A ka Sharpe ratio 3.25 hai, jabki Fund B ka Sharpe ratio 0.96 hai. Toh Fund A ka riskometer aur Sharpe ratio bahut achha hai. Haan, yeh dono factors dekhkar hum apni verdict dete hain ki Fund A better hai.
📊 Portfolio Diversification
Chaliye, asset allocation aur top holdings concentration dekhenge. Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Fund B ka asset allocation Equity: 97.00% aur T-Bills: 3.00% hai. Toh Fund A ka asset allocation bahut achha hai, lekin top holdings concentration bhi dekhna hai. Fund A ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B ka top holdings concentration HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), aur Reliance Industries Ltd. (4.9%) hai. Toh Fund A ka asset allocation aur top holdings concentration bahut achha hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Navi Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai, Fund B ka 5Y return 11.52% hai, jabki Fund A ka 5Y return 6.09% hai. Toh Fund B better hai.
Q2: Is the higher risk fund worth it?
Haan, yeh to sakht hai. Fund B ka riskometer Very High hai, jabki Fund A ka riskometer Low hai. Lekin volatility bhi dekhna hai. Fund A ka volatility 0.12 hai, jabki Fund B ka volatility 15 hai. Toh Fund B ka riskometer aur volatility bahut zyada hai, lekin Sharpe ratio bhi dekhna hai. Fund A ka Sharpe ratio 3.25 hai, jabki Fund B ka Sharpe ratio 0.96 hai. Toh Fund A ka Sharpe ratio bahut achha hai.
Q3: Which fund is more cost-effective?
Haan, yeh to sakht hai. Fund A ka expense ratio 0.12% hai, jabki Fund B ka expense ratio 1.68% hai. Toh Fund A bahut 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