SBI Liquid Fund vs Quant 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
9.45%
Chaliye, dekho, we are comparing two liquid funds - SBI Liquid Fund - Direct Plan - Growth and Quant Mutual Fund Liquid Fund - Direct Plan - Growth. Both funds are in the liquid category, which means they invest in low-risk instruments like T-Bills, CDs, and cash. In this comparison, we will analyze their performance, risk, and cost to help you decide which fund is better for your investment.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quant Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 22.09 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.25 | 22.69 |
| 1 Year Return (%) | 6.15% | 0.9% |
| 3 Year Return (%) | 6.89% | 9.45% |
| 5 Year Return (%) | 6.09% | 8.38% |
| Since Launch (%) | 6.79% | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 11 June 2019 |
| 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% | 267% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we recommend Fund A, SBI Liquid Fund - Direct Plan - Growth. It has a higher 3Y return of 6.89% compared to Fund B's 9.45%, but it's a lower risk fund with a Sharpe ratio of 3.25. Fund A's expense ratio is also lower at 0.12% compared to Fund B's 0.12%. Haan, Fund A is a more stable and cost-effective option.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider Quant Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
Lekin, when it comes to a monthly SIP for 10+ years, both funds are suitable. However, Fund A is a more consistent performer with higher returns in the long run. Its 5Y return of 6.09% is lower than Fund B's 8.38%, but it's also a lower risk fund. Dekho, if you're looking for stability and consistent returns, Fund A is a better choice.
⚠️ Risk & Cost Analysis
Sach ye hai, when it comes to risk and cost, both funds are similar. They have the same riskometer rating of Low and the same expense ratio of 0.12%. However, Fund A has a lower volatility of 0.12% compared to Fund B's 0.13%. Haan, Fund A offers better risk-adjusted returns.
📊 Portfolio Diversification
Chaliye, let's compare the portfolio diversification of both funds. Fund A has a more diversified portfolio with a mix of T-Bills, CDs, CP, and cash. Its top holdings are also diversified with a mix of State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills. Fund B's portfolio is also diversified, but its top holdings are similar to Fund A. Sach ye hai, both funds have a similar level of diversification.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% 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?
Answer based on 5Y/3Y returns. Fund B gives better returns in the long run with a 5Y return of 8.38% compared to Fund A's 6.09%. However, Fund A has a lower risk profile, making it a more stable option.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund B has a higher volatility of 0.13% compared to Fund A's 0.12%. However, its Sharpe ratio of 22.69 is higher than Fund A's 3.25. Haan, if you're willing to take on higher risk, Fund B might be worth it.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Both funds have the same expense ratio of 0.12%, making them equally cost-effective. N/A, there is no exit load mentioned for both funds.
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