SBI Liquid Fund vs Old Bridge Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
12.3%
Ab humein do aise funds ke beech compare karna hai jo alag-alag categories mein hai. Fund A ek liquid fund hai, jo low risk vala hai. Fund B ek balanced hybrid fund hai, jo moderately high risk vala hai. Aaj hum dekhenge ki dono fund konsa hai bhiyaarik. Dekho, Fund A ke 1 Year ke return 6.15% hai, jabki Fund B ke 3 Year ke return 12.3% hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 4351.16 | 16.39 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.58 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.12 | 9.11 |
| Sharpe Ratio | 3.25 | 0.64 |
| 1 Year Return (%) | 6.15% | 3.08% |
| 3 Year Return (%) | 6.89% | 12.3% |
| 5 Year Return (%) | 6.09% | 5.27% |
| Since Launch (%) | 6.79% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 260% | 145% |
🤖 AI Verdict – Which is Better?
Hamare paas 3 Year ke return aur expense ratio dekhne ko mila hai. Dekho, Fund A ke expense ratio 0.12% hai, jabki Fund B ke 0.78% hai. Lekin Fund A ke 3 Year ke return 6.89% hai, jo Fund B ke 12.3% se kam hai. Haan, yeh Fund A ke liye achha hai. Fund A ek low risk vala fund hai, jo aamtaur par long-term mein accha return de sakta 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 Old Bridge Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.58 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Agar aapko SIP ke liye ek fund chunna hai, to hamara manna hai ki Fund A achha hai. Fund A ke return stable hai, aur yeh ek low risk vala fund hai. Fund B ke return adhik risk vala hai, lekin yeh ek long-term return de sakta hai. Haan, yeh fund SIP ke liye accha hai.
⚠️ Risk & Cost Analysis
Ab hum dekhenge ki fund konsa hai achha risk-adjusted return de raha hai. Fund A ke riskometer low hai, aur yeh 0.12% ki volatility hai. Fund B ke riskometer moderately high hai, aur yeh 9.11% ki volatility hai. Lekin Fund A ke Sharpe ratio 3.25 hai, jo Fund B ke 0.64 se adhik hai. Haan, yeh fund achha risk-adjusted return de raha hai.
📊 Portfolio Diversification
Ab hum dekhenge ki fund konsa hai adhik diversified hai. Fund A ke asset allocation mein 65% T-Bills hai, 20% CD hai, 10% CP hai, aur 5% cash hai. Fund B ke asset allocation mein 65% equity hai, 30% debt hai, aur 5% T-Bills hai. Haan, Fund A adhik diversified hai, lekin Fund B ke equity portion mein sector risk hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Old Bridge Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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?
Answer: Fund A ka 5 Year ke return 6.09% hai, jo Fund B ke 5.27% se kam hai. Lekin Fund A ka 3 Year ke return 6.89% hai, jo Fund B ke 12.3% se kam hai. Haan, Fund A fund long-term mein accha return de sakta hai.
Q2: Is the higher risk fund worth it?
Answer: Fund B ka riskometer moderately high hai, aur yeh 9.11% ki volatility hai. Fund A ka riskometer low hai, aur yeh 0.12% ki volatility hai. Lekin Fund B ka Sharpe ratio 0.64 hai, jo Fund A ke 3.25 se kam hai. Haan, Fund B fund ki jaldi return adhik hai, lekin yeh adhik risk vala hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.12% hai, jo Fund B ke 0.78% se kam hai. Haan, yeh fund 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