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
12.44%
Dekho, aapko yeh janna hoga ki SBI Liquid Fund aur SBI Blue Chip Fund mein kya aisa hai jo aapko nazar aata hai, aur aaj hum yeh janne ke liye aaye hain ki yeh do funds aapke investment ke liye kaisa hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 166.74 |
| AUM (₹ Cr) | 7.12 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.43% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.37 |
| Sharpe Ratio | 3.25 | 0.52 |
| 1 Year Return (%) | 6.15% | -0.75% |
| 3 Year Return (%) | 6.89% | 12.44% |
| 5 Year Return (%) | 6.09% | 13.47% |
| Since Launch (%) | 6.79% | 22.61% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 18 November 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 | 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. (8.73%), 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, aapko lagta hoga ki SBI Blue Chip Fund ek high-risk fund hai, lekin yeh fund 5 saal mein 13.47% return deta hai, jo bahut accha hai. Haan, expense ratio thoda zyada hai, lekin riskometer bhi very high hai. Isliye, hum yeh verdict deta hai ki SBI Blue Chip Fund long-term wealth creation ke liye better fund 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 SBI Blue Chip Fund?
- Expense ratio: 1.43%
- 3Y return: 12.44%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 0.52
📈 SIP Suitability
Yeh fund dono SIP ke liye suit hain, lekin dekho, SBI Liquid Fund 3 saal mein 6.89% return deta hai, aur expense ratio bhi kam hai. Isliye, SBI Liquid Fund monthly SIP ke liye better fund hai, khaskar 10+ saal ke liye.
⚠️ Risk & Cost Analysis
SBI Liquid Fund ki riskometer low hai, volatility bhi kam hai, aur Sharpe ratio bhi achha hai. Expense ratio bhi kam hai. Isliye, SBI Liquid Fund mehngi hai, lekin risk-adjusted returns bhi achhe hain.
📊 Portfolio Diversification
SBI Liquid Fund ka asset allocation bahut achha hai, T-Bills, CD, CP aur cash mein 65% investment hai. Top holdings mein State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai. Isliye, SBI Liquid Fund portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
SBI Blue Chip Fund
₹1192614.40
@12.4% 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, SBI Blue Chip Fund 5 saal mein 13.47% return deta hai, jo bahut accha hai. Haan, expense ratio thoda zyada hai, lekin riskometer bhi very high hai.
Q2: Is the higher risk fund worth it?
Haan, SBI Blue Chip Fund higher risk hai, lekin volatility bhi high hai, aur Sharpe ratio bhi kam hai. Isliye, yeh fund aapke liye risk worth nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Liquid Fund expense ratio kam hai, aur risk-adjusted returns bhi achhe hain. Isliye, SBI Liquid Fund aapke liye cost-effective fund 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