SBI Liquid Fund vs Nippon India Growth Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
25.15%
Dekho, aaj hum do funds ke beech ka comparison karenge. Fund A SBI Liquid Fund Direct Plan Growth hai, jo Liquid category mein aata hai. Fund B Nippon India Growth Mid Cap Fund Direct Plan Growth hai, jo Mid Cap category mein aata hai. Aaj humein ye jaanne ki zaroorat hai ki kis fund mein long term wealth creation ke liye invest karna chahiye.
[Verdict]| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNippon India Growth Mid Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Liquid | Mid Cap |
| NAV (₹) | 4351.16 | 4845.02 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.58 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.26% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 15.97 |
| Sharpe Ratio | 3.25 | 1.17 |
| 1 Year Return (%) | 6.15% | 10.17% |
| 3 Year Return (%) | 6.89% | 25.15% |
| 5 Year Return (%) | 6.09% | 22.32% |
| Since Launch (%) | 6.79% | 18.36% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Amber Singhania; Kinjal Desai; Rupesh Patel (8.0 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%) | BSE Ltd. (4.21%), Fortis Healthcare Ltd. (2.76%), The Federal Bank Ltd. (2.57%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 98.55% |
| Portfolio Turnover | 260% | 74% |
🤖 AI Verdict – Which is Better?
Hum chahein ki Fund A jaisa fund jo low risk mehsoos karta hai, lekin 3Y return aur expense ratio ke hisab se Fund B jaisa fund better hai. Fund B ka 3Y return 25.15% hai, jo bahut accha hai, aur expense ratio bhi kam hai. Lekin, Fund A ko low risk ke liye select kiya ja sakta hai.
[SIP_Suitability]Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Nippon India Growth Mid Cap Fund?
- Expense ratio: 1.26%
- 3Y return: 25.15%
- AUM: 4.58 Lac Cr
- Sharpe Ratio: 1.17
📈 SIP Suitability
SIP ke liye Fund B jaisa fund better hai. Iska 3Y return 25.15% hai, jo Fund A ke 6.89% se kai guna hai. Lekin, Fund B ka riskometer Very High hai, jiska matlab hai ki ismein investment karna thoda riski hai.
[Risk_Cost]⚠️ Risk & Cost Analysis
Riskometer aur volatility ka hisab lene par Fund B jaisa fund riskier hai. Lekin, Fund B ka Sharpe ratio 1.17 hai, jo Fund A ke 3.25 se kam hai. Iska matlab hai ki Fund B mehsoos kiya jaa sakta hai ki risk-adjusted returns fund B mehsoos kiye ja sakte hain.
[Portfolio_Insight]📊 Portfolio Diversification
Fund A ka asset allocation Liquid hai, jismein 65% TBills aur 20% CD hai. Fund B ka asset allocation Mid Cap hai, jismein 98.55% equity hai. Iska matlab hai ki Fund B ka portfolio diversified nahi hai, aur sector risk ka risa hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Nippon India Growth Mid Cap Fund
₹2691264.97
@25.1% 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 22.32% hai, jiska matlab hai ki Fund B long run mein acche returns deti hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 15.97 hai, jiska matlab hai ki ismein risk hai, lekin Sharpe ratio bhi 1.17 hai, jiska matlab hai ki risk-adjusted returns Fund B se milein hain.
Q3: Which fund is more cost-effective?
Expense ratio ke hisab se Fund A jaisa fund cost-effective hai, jo 0.12% hai, lekin Fund B ka expense ratio 1.26% hai, jo Fund A se kam 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