SBI Liquid Fund vs PPFAS 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%
dekho, aaj hum do alag-alag mutual funds ki janch kar rahe hain - SBI Liquid Fund aur PPFAS Mutual Fund Large Cap Fund. Fund A ek liquid fund hai jo low riskometer ke saath hai, jabki Fund B ek large cap fund hai jo very high riskometer ke saath hai. Is article mein hum dekhenge ki kis fund mein long-term wealth creation ke liye investment karna achha hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.44 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.07 |
| Sharpe Ratio | 3.25 | 0.68 |
| 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) | Rajeev Thakkar (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
haan, fund ki 3Y return, expense ratio, aur riskometer ke alawa hum dekhenge ki kis fund mein long-term wealth creation ke like investment karna achha hai. Fund A ki 3Y return 6.89% hai aur expense ratio 0.12% hai, jabki Fund B ki 3Y return 14.7% hai lekin expense ratio 0.52% hai. Riskometer ke hisaab se bhi Fund A better hai. To, hum dekh rahe hain ki Fund A kis fund mein better hai - SBI Liquid Fund ya PPFAS Mutual Fund Large Cap Fund.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider PPFAS Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.44 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
dekho, SIP ke liye kis fund ka chayan karna achha hai? Fund A ki consistency aur return stability ki tarah se hum dekh rahe hain. Fund A ki 1Y return 6.15% hai aur 3Y return 6.89% hai, jabki Fund B ki 1Y return -4.02% hai. Isliye, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
lekin, riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se hum dekh rahe hain ki kis fund mein better risk-adjusted returns hain. Fund A ki riskometer low hai, volatility 0.12 hai, Sharpe ratio 3.25 hai, aur expense ratio 0.12% hai. Fund B ki riskometer very high hai, volatility 12.07 hai, Sharpe ratio 0.68 hai, aur expense ratio 0.52% hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration ke hisaab se hum dekh rahe hain ki kis fund mein better diversification hai. Fund A ki asset allocation T-Bills (65.00%), CD (20.00%), CP (10.00%), aur Cash (5.00%) mein hai. Fund B ki asset allocation Equity (96.00%) aur T-Bills (4.00%) mein hai. Isliye, Fund A mein better diversification hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
PPFAS 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, Fund A ki 5Y return 6.09% hai aur Fund B ki 5Y return 12.03% hai. Isliye, Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
nahi, Fund B ki volatility 12.07 hai, Sharpe ratio 0.68 hai, aur expense ratio 0.52% hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
sach ye hai, Fund A ki expense ratio 0.12% hai, jabki Fund B ki expense ratio 0.52% hai. Isliye, Fund A 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