SBI Liquid Fund vs SBI Blue Chip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
31.25%
Yeh dono funds kisi bhi investor ke liye achhe vikalp ho sakte hain, lekin yeh dono alag-alag categories mein hain. Fund A ek Liquid fund hai, jo chhoti aayatnay mein investment karne ke liye upyukt hai, jabki Fund B ek Large Cap fund hai, jo lungfalon mein investment karne ke liye upyukt hai. Is article mein hum dono funds ka comparison karenge aur dekhein ki yeh dono fund kiske liye upyukt hain.
[VERDICT]| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 101.68 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.79% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.35 |
| Sharpe Ratio | 3.25 | 2.18 |
| 1 Year Return (%) | 6.15% | 9.84% |
| 3 Year Return (%) | 6.89% | 31.25% |
| 5 Year Return (%) | 6.09% | 25.25% |
| Since Launch (%) | 6.79% | 12.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) |
| Benchmark | NIFTY Liquid Index | BSE 100 Total Return Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.26% | T-Bills: 0.78% |
| Portfolio Turnover | 260% | 8% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki Fund B ki 3Y return 31.25% hai, jo Fund A ki 3Y return 6.89% se bahut zyada hai. Lekin, expense ratio bhi ek mahatvapoorn faktor hai. Fund B ka expense ratio 0.79% hai, jo Fund A ka expense ratio 0.12% se zyada hai. Isliye, hum kahaenge ki Fund A lungfalon mein investment ke liye upyukt hai, lekin Fund B ki 3Y return ka dekha jaa sakta hai.
[SIP_SUITABILITY]Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
📈 SIP Suitability
SIP ke liye Fund A aur Fund B dono upyukt hain, lekin hum kahaenge ki Fund A better option hai. Fund A ki 1Y return 6.15% hai, jo Fund B ki 1Y return 9.84% se kam hai, lekin Fund A ki expense ratio 0.12% hai, jo Fund B ki expense ratio 0.79% se kam hai. Isliye, Fund A ki sabhi cheezon se darj hai ki yeh SIP ke liye upyukt hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer se dekha ja sakta hai ki Fund A ki risk low hai, jabki Fund B ki risk very high hai. Lekin, volatility aur Sharpe ratio se bhi dekha ja sakta hai ki Fund B ki volatility 11.35 hai, jo Fund A ki volatility 0.12 se zyada hai, lekin Fund B ka Sharpe ratio 2.18 hai, jo Fund A ka Sharpe ratio 3.25 se kam hai. Isliye, fund A ki sabhi cheezon se darj hai ki yeh risk-adjusted returns bhi better hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Asset allocation se dekha ja sakta hai ki Fund A ka asset allocation 65% T-Bills, 20% CD, 10% CP, aur 5% cash hai, jabki Fund B ka asset allocation 97.26% equity, aur 0.78% T-Bills hai. Isliye, Fund A ka asset allocation Fund B ki tulna mein thoda kam hai, lekin Fund A ka top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai, jo Fund B ka top 3 holdings mein HDFC Bank Ltd, ICICI Bank Ltd, aur Reliance Industries Ltd hai.
[FAQ]SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
SBI Blue Chip Fund
₹4110903.05
@31.3% 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 ki Fund B ki 5Y return 25.25% hai, jo Fund A ki 5Y return 6.09% se zyada hai. Isliye, Fund B lungfalon mein investment ke liye upyukt hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund B ki volatility 11.35 hai, jo Fund A ki volatility 0.12 se zyada hai, lekin Fund B ka Sharpe ratio 2.18 hai, jo Fund A ka Sharpe ratio 3.25 se kam hai. Isliye, Fund B ki risk-adjusted returns Fund A ki tulna mein kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 0.79% se kam hai. Isliye, 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