SBI Liquid Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
18.13%
Aaj humein do aisi mutual funds ke beech meh compare karne ka mauka milta hai - SBI Liquid Fund aur SBI Focused Fund. Ye donon funds kuch aise characteristics ke saath aaye hain jo aapko naye lag sakte hain. Dekho, is article mein hum aapko in donon funds ke beech ki comparison karne ki koshish karenge aur aapko bataenge ki kis fund aapke liye behtar hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 432.21 |
| AUM (₹ Cr) | 7.12 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.47% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.25 |
| Sharpe Ratio | 3.25 | 0.88 |
| 1 Year Return (%) | 6.15% | 12.11% |
| 3 Year Return (%) | 6.89% | 18.13% |
| 5 Year Return (%) | 6.09% | 15.02% |
| Since Launch (%) | 6.79% | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 260% | 45% |
🤖 AI Verdict – Which is Better?
Chahein to saarvjanik bhaavna ke saath bata denge, ki SBI Focused Fund kisi bhi fund ke liye long-term wealth creation ke liye nahi hai, ismein 5Y return aur expense ratio ke liye SBI Liquid Fund behtar hai. Haan, lekin agar aapko very high risk le jana hai, to SBI Focused Fund aapke liye theek ho sakta hai, lekin ismein aapko bahut risk lena pad sakta 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 Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
SIP ke liye donon funds acche hain, lekin agar aap 10+ saal ke liye SIP karte hain, to aapko SBI Liquid Fund ka chayan karna chahiye. Ye fund consistent return de raha hai aur stability ke saath aata hai, jisse aapko apni nishkarshon ke liye asani se apnaa fund manage karne mein madad milegi.
⚠️ Risk & Cost Analysis
Jaise-jaise hum riskometer, volatility, Sharpe ratio aur expense ratio ke liye dekhte hain, to SBI Liquid Fund aapke liye behtar fund hai. Ye fund low riskometer ke saath aata hai, volatility kam hai aur sharpe ratio bhi accha hai. Iske alawa, expense ratio bhi kam hai, jo aapko adhik returns de raha hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye dekhte hain, to SBI Liquid Fund aapke liye behtar fund hai. Ye fund apne asset allocation meh low risk assets ki bhari hui hai, jaise ki T-Bills aur CD, jo aapke liye adhik secure hain. Iske alawa, top holdings concentration bhi kam hai, jo aapko sector risk se bacha raha hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 5Y return mein SBI Focused Fund se behtar hai, isliye long run mein ye fund aapke liye behtar hai.
Q2: Is the higher risk fund worth it?
SBI Focused Fund ka volatility bahut jyada hai, isliye ismein aapko bahut risk lena pad sakta hai. Sharpe ratio bhi kam hai, isliye hum SBI Liquid Fund ka chayan karenge.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund expense ratio mein SBI Focused Fund se kam hai, isliye ismein aapko adhik returns de raha 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