SBI Liquid Fund vs Old Bridge Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.7%
Ab aapke paas do aamochan hai - SBI Liquid Fund aur Old Bridge Mutual Fund Large Cap Fund. Dono fundon ka category alag-alag hai, lekin aapke paise ke liye kya chunav hai? Is article mein hum dekhege ki yeh dono fund aapke long-term wealth creation ke liye kaise upyukt hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.62 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.89 |
| Sharpe Ratio | 3.25 | 0.69 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.89% | 14.7% |
| 5 Year Return (%) | 6.09% | 12.03% |
| Since Launch (%) | 6.79% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Sonam Udasi; Amey Sathe (9.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 260% | 22% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye hamara verdict hai ki Old Bridge Mutual Fund Large Cap Fund (Fund A) nahi, balki Fund B hai. Yeh fund 3Y return, expense ratio aur risk ke hisaab se upar hai. Lekin, yeh fund riskometer se bhi bahut upar hai, jiska matlab hai ki yeh fund aapke paise ko risk se bachane ke liye upyukt nahi 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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.62 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Monthly SIP ke liye Fund A upyukt hai. Yeh fund 3Y return aur expense ratio ke hisaab se upar hai, aur yeh fund aapke paise ko risk se bachane ke liye bhi upyukt hai. Fund A ki volatility aur Sharpe ratio Fund B se kam hai, jo iska aamal hai ki yeh fund aapke paise ko stabil rakhne ke liye upyukt hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ke hisaab se Fund A upar hai. Yeh fund aapke paise ko risk se bachane ke liye upyukt hai aur yeh fund aapke paise ko stabil rakhne ke liye bhi upyukt hai. Fund B ki riskometer aur volatility bahut upar hai, jiska matlab hai ki yeh fund aapke paise ko risk se bachane ke liye upyukt nahi hai.
📊 Portfolio Diversification
Fund A ki asset allocation aur top holdings concentration Fund B se kam hai. Fund A ki asset allocation mein T-Bills, CD, CP aur Cash ka proportion hai, jo iska aamal hai ki yeh fund aapke paise ko stabil rakhne ke liye upyukt hai. Fund B ki asset allocation mein Equity ka proportion 96% hai, jo iska aamal hai ki yeh fund aapke paise ko risk se bachane ke liye upyukt nahi hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Old Bridge Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 ki 5Y return Fund A se upar hai, lekin Fund A ki 3Y return Fund B se kam hai. Lekin, Fund A ki expense ratio Fund B se kam hai, jo iska aamal hai ki Fund A aapke paise ke liye upyukt hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund B ki volatility aur Sharpe ratio Fund A se upar hai, lekin yeh fund aapke paise ko risk se bachane ke liye upyukt nahi hai. Fund B ki riskometer aur volatility bahut upar hai, jiska matlab hai ki yeh fund aapke paise ko risk se bachane ke liye upyukt nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ki expense ratio Fund B se kam hai, jo iska aamal hai ki Fund A aapke paise ke liye upyukt hai. Lekin, Fund B ki return Fund A se upar hai, lekin yeh fund aapke paise ko risk se bachane ke liye upyukt nahi 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