SBI Liquid Fund vs Quantum 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%
Mein aapko do funds ke beech ka comparison karna hai. Fund A SBI Liquid Fund hai, jo ek low-risk aur stable return vahan hai. Fund B Quantum Mutual Fund Large Cap Fund hai, jo ek high-risk aur high-reward fund hai. Aaj hum aapko batayenge ki aapke paas kis fund ka chayan karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BQuantum Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.40 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.75 |
| Sharpe Ratio | 3.25 | 0.7 |
| 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) | Atul Kumar (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% | 21% |
🤖 AI Verdict – Which is Better?
Agar aap long term wealth creation ke liye fund chunna chahte hain, to main Fund B ko better fund samjhta hoon. Yahaan baat hai 3Y return ke liye Fund B ki performance bahut achi hai. Lekin expense ratio mein Fund A kam hai. Aur agar aapko risk nahin pasand hai, to Fund A ka Riskometer Low hai, lekin Fund B ka Riskometer Very High 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 Quantum Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.40 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
Haan, ab hum dekhenge ki mein aapke paas kis fund ka SIP chalanana chahiye. Fund A ka 1Y return 6.15% hai, jabki fund B ka 1Y return -4.02% hai. Chaliye, fund A ka 1Y return fund B se 10.17% adhik hai. Lekin, volatility bhi ek bada factor hai. Fund A ka volatility 0.12 hai, jabki fund B ka volatility 11.75 hai. Haan, fund B ka volatility fund A se adhik hai. Sach ye hai, fund A ka 1Y return fund B se adhik hai, lekin fund B ka volatility fund A se adhik hai. Haan, fund A better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Haan, ab hum dekhenge ki mein aapke paas kis fund ka riskometer aur expense ratio adhik hai. Fund A ka riskometer Low hai, jabki fund B ka riskometer Very High hai. Lekin, volatility bhi ek bada factor hai. Fund A ka volatility 0.12 hai, jabki fund B ka volatility 11.75 hai. Haan, fund B ka volatility fund A se adhik hai. Expense ratio ka bhi dhyan rakhna hoga. Fund A ka expense ratio 0.12% hai, jabki fund B ka expense ratio 0.52% hai. Haan, fund A ka expense ratio fund B se kam hai. Sach ye hai, fund A ka riskometer aur expense ratio fund B se kam hai. Haan, fund A better hai risk aur expense ke matlab.
📊 Portfolio Diversification
Haan, ab hum dekhenge ki mein aapke paas kis fund ka asset allocation adhik hai. Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Fund B ka asset allocation Equity: 96.00% aur T-Bills: 4.00% hai. Haan, fund A ka asset allocation fund B se adhik hai. Lekin, top holdings concentration bhi ek bada factor hai. Fund A ka top holdings concentration State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai. Fund B ka top holdings concentration HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hai. Haan, fund A ka top holdings concentration fund B se kam hai. Sach ye hai, fund A ka asset allocation aur top holdings concentration fund B se adhik hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Quantum 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?
Haan, fund B ka 5Y return 12.03% hai, jo fund A ka 5Y return 6.09% se adhik hai. Lekin, expense ratio ka bhi dhyan rakhna hoga. Fund A ka expense ratio 0.12% hai, jabki fund B ka expense ratio 0.52% hai. Haan, fund A ka expense ratio fund B se kam hai. Sach ye hai, fund B ka 5Y return fund A se adhik hai, lekin fund A ka expense ratio fund B se kam hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ka riskometer Very High hai, jo fund A ka riskometer Low se adhik hai. Lekin, volatility bhi ek bada factor hai. Fund B ka volatility 11.75 hai, jo fund A ka volatility 0.12 se adhik hai. Haan, fund B ka volatility fund A se adhik hai. Sach ye hai, fund B ka riskometer aur volatility fund A se adhik hai. Haan, fund B ka higher risk fund hai.
Q3: Which fund is more cost-effective?
Haan, fund A ka expense ratio 0.12% hai, jo fund B ka expense ratio 0.52% se kam hai. Haan, fund A ka expense ratio fund B se kam hai. Sach ye hai, 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