SBI Liquid Fund vs Quant 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
8.67%
Today, we are comparing two funds - SBI Liquid Fund and Quant Mutual Fund Multi Cap Fund. Dekho, these funds belong to different categories - Liquid and Multi Cap respectively. In this comparison, we will help you decide which fund is better for long-term wealth creation.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BQuant Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quant Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 20.99 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.78 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.55 |
| Sharpe Ratio | 3.25 | 0.15 |
| 1 Year Return (%) | 6.15% | 0.18% |
| 3 Year Return (%) | 6.89% | 8.67% |
| 5 Year Return (%) | 6.09% | 7.6% |
| Since Launch (%) | 6.79% | 11.23% |
| 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) | 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% | 46% |
🤖 AI Verdict – Which is Better?
Chaliye, let's compare the funds. For long-term wealth creation, we look at 3Y returns, expense ratio, and risk. Fund A, SBI Liquid Fund, has a 3Y return of 6.89% with an expense ratio of 0.12%. On the other hand, Fund B, Quant Mutual Fund Multi Cap Fund, has a 3Y return of 8.67% but an expense ratio of 1.68%. Haan, both funds have different risk levels, but Fund A has a riskometer of Low, while Fund B has a riskometer of Very High. Considering all these factors, we think Fund A is better for long-term wealth creation.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 8.67%
- AUM: 1.78 Lac Cr
- Sharpe Ratio: 0.15
📈 SIP Suitability
SIP (Systematic Investment Plan) is a great way to invest in mutual funds. Dekho, when it comes to SIP, we look for consistency and return stability. Fund A has a consistent return over the years, while Fund B has a high return but with high volatility. Lekin, if you are looking for a SIP for 10+ years, Fund A is a better option due to its consistent returns and lower volatility.
⚠️ Risk & Cost Analysis
Risk is an important factor in mutual fund investment. Chaliye, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A has a riskometer of Low, a volatility of 0.12, a Sharpe ratio of 3.25, and an expense ratio of 0.12%. Fund B has a riskometer of Very High, a volatility of 14.55, a Sharpe ratio of 0.15, and an expense ratio of 1.68%. Haan, considering all these factors, Fund A offers better risk-adjusted returns.
📊 Portfolio Diversification
Portfolio diversification is essential in mutual fund investment. Dekho, let's compare the asset allocation and top holdings concentration of both funds. Fund A has an asset allocation of T-Bills (65.00%), CD (20.00%), CP (10.00%), and Cash (5.00%). Its top holdings are State Bank of India CD (8.5%), HDFC Bank CD (7.2%), and Reliance Industries T-Bills (6.8%). Fund B has an asset allocation of Equity (97.00%) and T-Bills (3.00%). Its top holdings are HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), and Reliance Industries Ltd. (4.9%). Haan, both funds have a different asset allocation, but Fund A has a more diversified portfolio.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Quant Mutual Fund Multi Cap Fund
₹956588.14
@8.7% 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 B gives better returns in the long run, with a 5Y return of 7.6% and a 3Y return of 8.67%. However, its expense ratio is higher, which might affect the returns in the long run.
Q2: Is the higher risk fund worth it?
Haan, the higher risk fund might be worth it if you are looking for high returns. Fund B has a higher return, but it also has a higher volatility of 14.55. So, it's essential to assess your risk tolerance before investing in Fund B.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A is more cost-effective with an expense ratio of 0.12%. Fund B has an expense ratio of 1.68%, which is higher. So, if you are looking for a cost-effective option, Fund A is a better choice.
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