SBI Liquid Fund vs Old Bridge Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.93%
Dekho, aaj hum do liquid funds ke beech ka comparison karne ja rahe hain - SBI Liquid Fund aur Old Bridge Mutual Fund Liquid Fund. Ye dono funds apne low riskometer ke liye jaane jaate hain. Aapko is article mein pata chalega ki dono funds ke beech kya antar hai aur koun se fund long-term wealth creation ke liye better hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.73 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.12 |
| Sharpe Ratio | 3.25 | 3.58 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.89% | 6.93% |
| 5 Year Return (%) | 6.09% | 6.11% |
| Since Launch (%) | 6.79% | 50.63% |
| 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) | N/A |
| 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%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 260% | 239% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye, 3Y return, expense ratio aur risk ka dhyan rakhte hue, Old Bridge Mutual Fund Liquid Fund better hai. Iska 3Y return SBI Liquid Fund ke 6.93% se 0.04% zyada hai, expense ratio bhi 0.12% se 0 hai. Lekin iske baad bhi, dono funds ke 5Y return mein koi bada antar 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Haan, SIP ke liye humko consistency aur return stability ka dhyan rakhna hoga. Old Bridge Mutual Fund Liquid Fund is mein accha hai. Iske 1Y aur 3Y return SBI Liquid Fund ke return se zyada hain aur expense ratio bhi kam hai. Isliye, Old Bridge Mutual Fund Liquid Fund monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ka comparison karne ke baad, Old Bridge Mutual Fund Liquid Fund better hai. Iska riskometer aur volatility SBI Liquid Fund ke saamne kam hai, Sharpe ratio bhi zyada hai. Expense ratio bhi kam hai. Isliye, Old Bridge Mutual Fund Liquid Fund me risk-adjusted returns milte hain.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karne ke baad, SBI Liquid Fund aur Old Bridge Mutual Fund Liquid Fund mein koi bada antar nahi hai. Dono funds mein asset allocation T-Bills, CD, CP aur cash ke beech aati hai. Top holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills ka concentration hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% 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, old bridge mutual fund liquid fund ka 5Y return SBI liquid fund ke 6.11% se 0.02% zyada hai, jisse iska long run return bhi zyada hai.
Q2: Is the higher risk fund worth it?
Haan, old bridge mutual fund liquid fund ka Sharpe ratio SBI liquid fund ke 3.25 se 0.33 zyada hai aur volatility bhi kam hai. Isliye, iska higher risk fund aapke investment ke liye worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Old Bridge Mutual Fund Liquid Fund ka expense ratio SBI Liquid Fund ka expense ratio se 0.00% zyada hai. Isliye, Old Bridge Mutual Fund Liquid Fund more cost-effective fund 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