SBI Liquid Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.96%
Dekho, aapko yeh jaanne ke liye hain ki Fund A aur Fund B donon hi liquid funds hain, lekin kya unka performance alag-alag hai. Aap yeh jaanege ki yeh do funds kaise compare karenge aur kis fund ka aapko long-term wealth creation ke liye invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Nippon India |
| Category | Liquid | Liquid |
| NAV (₹) | 4351.16 | 6813.87 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 3.83 |
| 1 Year Return (%) | 6.15% | 6.21% |
| 3 Year Return (%) | 6.89% | 6.96% |
| 5 Year Return (%) | 6.09% | 6.14% |
| Since Launch (%) | 6.79% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 260% | 260% |
🤖 AI Verdict – Which is Better?
Chaliye Fund A aur Fund B ko dekhne ke baad, yeh pata chala ki Fund B aapke liye better fund hai. Yeh fund 3Y return ke mauke par 6.96% ki return deti hai, jiska mukhya fund 3.83 ki Sharpe ratio hai. Expense ratio ke hisaab se bhi Fund B kam expensive hai. Haan, yeh fund ki riskometer low hai, lekin yeh fund aapke liye risk-adjusted return deti 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
SIP Suitability ke liye hum dono funds ka 3Y return aur expense ratio dekhege. Fund B consistently better returns deti hai, lekin Fund A ki expense ratio kam hai. Haan, Fund B ka 1Y aur 3Y return Fund A se acha hai. Lekin yeh sab kaafi saara samay hai, chaliye hum Fund B ke liye SIP karenge.
⚠️ Risk & Cost Analysis
Aapko pata hai ki Fund B ki riskometer low hai, lekin yeh fund volatility ke mauke par 0.12 ki volatility deti hai, jiska mukhya Fund A ke 0.12 se kam hai. Sharpe ratio ke hisaab se bhi Fund B better hai. Haan, yeh fund ki expense ratio Fund A se zyada hai. Lekin expense ratio kam se kam hain, chaliye hum Fund B ka risk-adjusted return dekhege.
📊 Portfolio Diversification
Aapko pata hai ki Fund B ki asset allocation CP, CD, T-Bills aur Debenture mein hain. Fund A ki asset allocation T-Bills, CD, CP aur Cash mein hain. Haan, Fund B ki top 3 holdings Reserve Bank of India, Reserve Bank of India, aur National Bank For Agriculture & Rural Development hai. Fund A ki top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Lekin Fund B ki asset allocation aur top holdings concentration Fund A se kam hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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?
Yeh pata chala ki Fund B ki 3Y return aur 5Y return Fund A se achi hai, haan, yeh fund ki expense ratio bhi kam hai. Sach ye hai, Fund B aapke liye long-term wealth creation ke liye better fund hai.
Q2: Is the higher risk fund worth it?
Haan, yeh fund ki volatility Fund A se kam hai. Sharpe ratio ke hisaab se bhi Fund B better hai. Lekin expense ratio ke hisaab se Fund A kam expensive hai. Chaliye hum Fund B ka risk-adjusted return dekhege.
Q3: Which fund is more cost-effective?
Haan, yeh fund ki expense ratio Fund A se zyada hai. Lekin expense ratio kam se kam hai, chaliye hum Fund B ka expense ratio dekhege.
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