SBI Liquid Fund vs PPFAS 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
20.86%
Dekho, aaj hum do mutual funds ke beech ki comparison karne ja rahe hain - SBI Liquid Fund aur PPFAS Mutual Fund Multi Cap Fund. Ye dono fund Indian investors ke liye kya sahi hain, iske baare mein samajhne ke liye humein inke category, returns, aur riskometer ke baare mein jaankaari ki zaroorat hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 19.01 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.1 |
| Sharpe Ratio | 3.25 | 1.02 |
| 1 Year Return (%) | 6.15% | 5.23% |
| 3 Year Return (%) | 6.89% | 20.86% |
| 5 Year Return (%) | 6.09% | 14.84% |
| Since Launch (%) | 6.79% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 February 2023 |
| 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 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% | 41% |
🤖 AI Verdict – Which is Better?
Chaliye, 3Y return, expense ratio, aur risk ke baad, humein lagta hai ki PPFAS Mutual Fund Multi Cap Fund long-term wealth creation ke liye better fund hai. Iska 3Y return 20.86% hai, jiski tiyari SBI Liquid Fund ka 3Y return nahi hai. Lekin, yeh fund very high riskometer rakhta hai, jiske baad humein sochne ki zaroorat hai ki kya yeh fund aapke liye sahi 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
SIP Suitability ke liye, humein monthly SIP ke liye 10+ years ke liye kya fund better hai, iske baare mein sochne hain. Dekho, SBI Liquid Fund ka 1Y return 6.15% hai, jiska stability PPFAS Mutual Fund Multi Cap Fund ka 1Y return (5.23%) se zyada hai. Lekin, PPFAS Mutual Fund Multi Cap Fund ka riskometer very high hai, jiske baad humein sochne ki zaroorat hai ki kya yeh fund aapke liye sahi hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke baad, humein sochne ki zaroorat hai ki kya fund better risk-adjusted returns offer karta hai. Dekho, PPFAS Mutual Fund Multi Cap Fund ka riskometer very high hai, lekin yeh fund Sharpe ratio 1.02 ke sath aata hai. Yeh fund expense ratio 1.68% se jyada hai, iska SBI Liquid Fund ka expense ratio 0.12% hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke baad, humein sochne ki zaroorat hai ki kya fund more diversified hai. Dekho, SBI Liquid Fund ka asset allocation T-Bills (65.00%), CD (20.00%), CP (10.00%), aur Cash (5.00%) hai. PPFAS Mutual Fund Multi Cap Fund ka asset allocation Equity (97.00%) aur T-Bills (3.00%) hai. Lekin, PPFAS Mutual Fund Multi Cap Fund ka top holdings concentration HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), aur Reliance Industries Ltd. (4.9%) hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
PPFAS Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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, PPFAS Mutual Fund Multi Cap Fund ka 5Y return 14.84% hai, jiski tiyari SBI Liquid Fund ka 5Y return (6.09%) se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, yeh fund volatile hai, lekin yeh fund Sharpe ratio 1.02 ke sath aata hai, jiski tiyari SBI Liquid Fund ka Sharpe ratio (3.25) se jyada hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Liquid Fund ka expense ratio 0.12% hai, jiska SPPAS Mutual Fund Multi Cap Fund ka expense ratio (1.68%) se kam 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