SBI Liquid Fund vs PPFAS 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%
Agar aapko paise invest karne hain, to aapko sabse pehle yeh sochna hoga ki aap kis kshetra mein invest karenge. Dekho, main aapko do liquid fund ki comparison karta hoon. Yeh dono fund khaas kar aapko apne emergency ka paisa bachaane ke liye upyukt hain. Main aapko batata hoon ki yeh dono fund kis tarah hain aur kya characteristics hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.41 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) | Rajeev Thakkar (3.5 years yrs) |
| 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% | 249% |
🤖 AI Verdict – Which is Better?
Haan, ab chaliye, aapko yeh pata chalne wala hai ki kis fund mein aapko invest karna chahiye. Dekho, both fund ek hi category mein hain, lekin yeh 3Y return, expense ratio, aur risk ke hisab se humein kuch samajh mein aata hai. Fund A ki 3Y return 6.89% hai, lekin expense ratio bhi 0.12% hai. Fund B ki 3Y return 6.93% hai, lekin expense ratio bhi 0.12% hai. Ab yeh sawal uthata hai ki kis fund mein aapko invest karna chahiye? Sach ye hai ki Fund B better 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Agar aap SIP ke through investment karna chahte hain, to aapko yeh pata chalna hoga ki kis fund mein aapko invest karna chahiye. Dekho, both fund ek hi category mein hain, lekin yeh consistency aur return stability ke hisab se humein kuch samajh mein aata hai. Fund B ka consistency aur return stability Fund A se jyada hai. Haan, yeh to mere vichaar hai.
⚠️ Risk & Cost Analysis
Ab chaliye, aapko yeh pata chalne wala hai ki kis fund mein aapko invest karna chahiye. Dekho, both fund ek hi category mein hain, lekin yeh riskometer, volatility, Sharpe ratio, expense ratio ke hisab se humein kuch samajh mein aata hai. Fund B ka riskometer aur volatility Fund A se kam hai, lekin Sharpe ratio Fund A se jyada hai. Ab yeh sawal uthata hai ki kis fund mein aapko invest karna chahiye? Sach ye hai ki Fund B better hai.
📊 Portfolio Diversification
Agar aapko portfolio diversification ke bare mein sochne wala hai, to aapko yeh pata chalna hoga ki kis fund mein aapko invest karna chahiye. Dekho, both fund ek hi category mein hain, lekin yeh asset allocation ke hisab se humein kuch samajh mein aata hai. Fund B ka asset allocation Fund A se jyada diversified hai. Ab yeh sawal uthata hai ki kis fund mein aapko invest karna chahiye? Sach ye hai ki Fund B better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
PPFAS 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?
Haan, Fund A ki 5Y return 6.09% hai, lekin Fund B ki 5Y return 6.11% hai. To, Fund B better hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility Fund A se kam hai, lekin Sharpe ratio Fund A se jyada hai. To, Fund B better hai.
Q3: Which fund is more cost-effective?
Haan, dono fund ki expense ratio 0.12% hai. To, dono fund cost-effective hain.
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