SBI Liquid Fund vs Old Bridge Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
1.9%
Agar aap mein bhi invester ke roop mein investment karne ka vichar hai, to sabse pehle aapko fund ki category aur type ko samajhna hoga. Aaj humein do fund ka comparison karte hain, jo ki SBI Liquid Fund aur Old Bridge Mutual Fund Multi Cap Fund hain. Yahaan ham aapko is donon fund ke characteristics, returns aur risk ke baare mein jaankari dein ge.
[VERDICT]| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 8.38 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.89 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.85 |
| Sharpe Ratio | 3.25 | 1.82 |
| 1 Year Return (%) | 6.15% | -11.42% |
| 3 Year Return (%) | 6.89% | 1.9% |
| 5 Year Return (%) | 6.09% | 1.13% |
| Since Launch (%) | 6.79% | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 6 November 2024 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 260% | 38% |
🤖 AI Verdict – Which is Better?
Yadi aapka objective long-term wealth creation hai, to humein lagta hai ki SBI Liquid Fund better option hai. Yeh fund 3Y return mein 6.89% return de raha hai, jiska expense ratio bhi thoda kam hai. Lekin, yeh fund kafi high-risk hai, isliye aapko apni risk appetite ka dhyan rakhna hoga.
[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 Old Bridge Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 1.9%
- AUM: 1.89 Lac Cr
- Sharpe Ratio: 1.82
📈 SIP Suitability
Agar aap monthly SIP ke roop mein investment kar rahe hain, to SBI Liquid Fund better option hai. Yeh fund apne consistency aur return stability ke liye jaana jata hai. Yeh fund 1Y mein 6.15% return de raha hai, jabki Old Bridge Mutual Fund Multi Cap Fund ne 11.42% loss kiya hai.
[RISK_COST]⚠️ Risk & Cost Analysis
SBI Liquid Fund mein apni riskometer low hai, jabki Old Bridge Mutual Fund Multi Cap Fund mein high hai. Lekin, yeh fund kafi low expense ratio ke saath aata hai, jiska Sharpe ratio bhi thoda high hai. Isliye, yeh fund risk-adjusted returns ka bhi better option hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
SBI Liquid Fund mein asset allocation bahut hi diversified hai, jismein T-Bills, CD, CP aur cash ke hissa hain. Isliye, yeh fund sector risk ka bhi less hai. Lekin, Old Bridge Mutual Fund Multi Cap Fund mein asset allocation kafi high-risk hai, jismein equity ke hissa 97% hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Old Bridge Mutual Fund Multi Cap Fund
₹661259.80
@1.9% 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?
SBI Liquid Fund ne 5Y return mein 6.09% aur 3Y return mein 6.89% diya hai, jabki Old Bridge Mutual Fund Multi Cap Fund ne 1.13% aur 1.9% return kiya hai. Isliye, SBI Liquid Fund better option hai.
Q2: Is the higher risk fund worth it?
Old Bridge Mutual Fund Multi Cap Fund mein volatility 13.85 hai, jabki SBI Liquid Fund mein 0.12 hai. Isliye, yeh fund kafi risk ka hai. Lekin, yeh fund Sharpe ratio mein bhi thoda high hai. Isliye, yeh fund kuch risk lekar investment karne ke liye theek hai.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund mein expense ratio 0.12% hai, jabki Old Bridge Mutual Fund Multi Cap Fund mein 1.68% hai. Isliye, SBI Liquid Fund more 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