SBI Liquid Fund vs Quantum 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
6.56%
Dekho, aapne do liquid funds ke liye compare karne ke liye aaaye hain. Yeh dono fund low-risk hain, lekin kya yeh unka return bhi low hai? Aaj hum Fund A: SBI Liquid Fund aur Fund B: Quantum Liquid Fund ke beech main difference pesh karenge. Hum aapko batayenge ki kis fund mein long-term mein paise badhne ke liye invest karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 37.04 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 0.55 |
| 1 Year Return (%) | 6.15% | 5.71% |
| 3 Year Return (%) | 6.89% | 6.56% |
| 5 Year Return (%) | 6.09% | 5.82% |
| Since Launch (%) | 6.79% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 9 April 2006 |
| 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 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% | 231% |
🤖 AI Verdict – Which is Better?
Haan, humne dekha hai ki dono fund low-risk hain, lekin Fund A ke 3Y return 6.89% hai, jo Fund B ke 6.56% se jyada hai. Lekin, expense ratio bhi ek bada factor hai. Fund A ka expense ratio 0.12% hai, jo Fund B ke 0.12% se jyada nahin hai. Bas, kuch samay tak hum dono fund ko dekhein, tabhi hum pata chalega ki kis fund mein paise badhne ke liye invest karna chahiye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
SIP suitabiity ke liye hum dono fund ko dekheinge. Fund A ke 1Y return 6.15% hai, jo Fund B ke 5.71% se jyada hai. Lekin, Fund A ka volatility 0.12 hai, jo Fund B ka 0.11 se kam hai. Haan, Fund A ka consistency bhi Fund B se jyada hai. Bas, kisi bhi fund mein SIP karne ke liye 10+ year ke liye ek stable fund chahiye, jismein return akele hi nahin hota, balki consistency bhi hoti hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi factors hain jo hum fund ke risk aur cost ko judge karne ke liye use karte hain. Fund A ka riskometer low hai, jo Fund B ka riskometer se jyada nahin hai. Lekin, Fund A ka Sharpe ratio 3.25 hai, jo Fund B ka 0.55 se jyada hai. Haan, expense ratio bhi ek bada factor hai, jo Fund A ka 0.12% hai, jo Fund B ka 0.12% se jyada nahin hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration dono fund ke portfolio diversification ko decide karte hain. Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00% hai, jo Fund B ka asset allocation se jyada diversified nahi hai. Haan, Fund A ka top holdings concentration bhi Fund B se jyada diversified hai. Lekin, Fund B ka top holdings mein State Bank of India CD aur HDFC Bank CD dono fund hain, jo Fund A ke top holdings mein nahin hain.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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 A ka 5Y return 6.09% hai, jo Fund B ke 5.82% se jyada hai. Haan, Fund A ka 3Y return bhi Fund B se jyada hai, 6.89% hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 3.25 hai, jo Fund B ka 0.55 se jyada hai. Lekin, Fund A ka volatility 0.12 hai, jo Fund B ka 0.11 se kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jo Fund B ka 0.12% se jyada nahin 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