SBI Liquid Fund vs Quantum 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
7.98%
Dekho, aapke paas do funds hain - SBI Liquid Fund aur Quantum Mutual Fund Multi Cap Fund. Yeh dono funds alag-alag category ke hain, Liquid aur Multi Cap. Aaj hum aapko batayenge ki dono funds mein kitne difference hain aur kis fund mein aapko investment karna chahiye.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BQuantum Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Quantum Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 8.38 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.73 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.65 |
| Sharpe Ratio | 3.25 | 0.27 |
| 1 Year Return (%) | 6.15% | -11.42% |
| 3 Year Return (%) | 6.89% | 7.98% |
| 5 Year Return (%) | 6.09% | 4.71% |
| Since Launch (%) | 6.79% | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 6 November 2024 |
| 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 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% | 35% |
🤖 AI Verdict – Which is Better?
Sach ye hai, yeh dono funds alag-alag category ke hain, lekin agar hum 3Y return, expense ratio, aur risk ke hisaab se dekhein, to SBI Liquid Fund better hai. Yeh fund apne low riskometer, low volatility, aur high Sharpe ratio ke liye jaana jata hai. Aapke paas 10+ saal ke liye SIP karna hai, to SBI Liquid Fund aapke liye best option 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 7.98%
- AUM: 1.73 Lac Cr
- Sharpe Ratio: 0.27
📈 SIP Suitability
SIP suitability ke hisaab se, SBI Liquid Fund aapke liye better hai. Yeh fund consistently high returns deliver karta hai, aur yeh fund apne low volatility ke liye jaana jata hai. Quantum Mutual Fund Multi Cap Fund, lekin volatility aur Sharpe ratio ke hisaab se, SBI Liquid Fund aapke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, SBI Liquid Fund Quantum Mutual Fund Multi Cap Fund se better hai. Yeh fund apne low expense ratio ke liye jaana jata hai, aur yeh fund apne high Sharpe ratio ke liye jaana jata hai. Aapke paas investment karna hai, to SBI Liquid Fund aapke liye best option hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, SBI Liquid Fund Quantum Mutual Fund Multi Cap Fund se diversified hai. Yeh fund apne asset allocation mein T-Bills, CD, CP, aur cash ke liye jaana jata hai, aur yeh fund apne top holdings concentration mein low hai. Quantum Mutual Fund Multi Cap Fund, lekin asset allocation mein high equity ke liye jaana jata hai, aur yeh fund apne top holdings concentration mein high hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Quantum Mutual Fund Multi Cap Fund
₹919786.47
@8.0% 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?
SBI Liquid Fund better hai 5Y return ke hisaab se, jiska return hai 6.09%. Quantum Mutual Fund Multi Cap Fund ka 5Y return hai 4.71%, jiska return low hai.
Q2: Is the higher risk fund worth it?
Quantum Mutual Fund Multi Cap Fund ka volatility hai 13.65, jiska risk high hai, aur yeh fund ka Sharpe ratio hai 0.27, jiska risk-adjusted return low hai. SBI Liquid Fund ka volatility hai 0.12, jiska risk low hai, aur yeh fund ka Sharpe ratio hai 3.25, jiska risk-adjusted return high hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund ka expense ratio hai 0.12%, jiska cost low hai, aur yeh fund ka exit load N/A hai. Quantum Mutual Fund Multi Cap Fund ka expense ratio hai 1.68%, jiska cost high hai, aur yeh fund ka exit load N/A 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