SBI Liquid Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
15.45%
Ab hum aapko do prasiddh fund SBI Liquid Fund aur SBI Midcap Fund ke beech ka vichar karenge. Ye do funds aapke nivesh ke liye kya sahi hain, iske bare mein aapko pata lagayenge. Dekho, yeh do funds aapke nivesh ke liye kya sahi hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Mid Cap |
| NAV (₹) | 4351.16 | 264.93 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.71 |
| Sharpe Ratio | 3.25 | 0.61 |
| 1 Year Return (%) | 6.15% | 1.71% |
| 3 Year Return (%) | 6.89% | 15.45% |
| 5 Year Return (%) | 6.09% | 16.58% |
| Since Launch (%) | 6.79% | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 260% | 33% |
🤖 AI Verdict – Which is Better?
Haan, hum apne verdict ke roop mein aayenge. SBI Liquid Fund aur SBI Midcap Fund mein se kis fund better hai long-term wealth creation ke liye? Iske liye hum 3Y return, expense ratio, aur riskometer ka hisab layenge. Sach ye hai, SBI Liquid Fund 5Y return mein 6.09% aur SBI Midcap Fund 16.58% return deta hai, lekin SBI Midcap Fund ki riskometer very high hai. Isliye, SBI Liquid Fund aapke liye better hai long-term wealth creation ke liye.
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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Chaliye, hum SIP suitability ke bare mein baatein karenge. Kya fund aapke liye better hai monthly SIP ke liye 10+ saal ke liye? Iske liye hum consistency aur return stability ka hisab layenge. SBI Liquid Fund ki 1Y aur 3Y return consistent hai, lekin SBI Midcap Fund ki return stable nahi hai. Isliye, SBI Liquid Fund aapke liye better hai monthly SIP ke liye 10+ saal ke liye.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke bare mein baatein karenge. Kya fund aapko better risk-adjusted returns deta hai? SBI Liquid Fund ki riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.25 hai, lekin expense ratio 0.12% hai. SBI Midcap Fund ki riskometer very high hai, volatility 14.71 hai, aur Sharpe ratio 0.61 hai, lekin expense ratio 1.62% hai. Isliye, SBI Liquid Fund aapko better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Chaliye, hum portfolio diversification ke bare mein baatein karenge. Kya fund aapko better diversification deta hai? SBI Liquid Fund ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai, lekin SBI Midcap Fund ka asset allocation Equity 93.08% hai. Isliye, SBI Liquid Fund aapko better diversification deta hai. SBI Liquid Fund ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain, lekin SBI Midcap Fund ka top 3 holdings Bharat Heavy Electricals Ltd., Torrent Power Ltd., aur Adani Energy Solutions Ltd. hain.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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?
SBI Midcap Fund 5Y return mein 16.58% aur SBI Liquid Fund 6.09% return deta hai, lekin SBI Liquid Fund ki riskometer low hai. Isliye, SBI Liquid Fund aapke liye better hai long-term wealth creation ke liye.
Q2: Is the higher risk fund worth it?
SBI Midcap Fund ki riskometer very high hai, lekin volatility aur Sharpe ratio ka hisab layenge. SBI Midcap Fund ki volatility 14.71 hai, aur Sharpe ratio 0.61 hai, lekin SBI Liquid Fund ki volatility 0.12 hai, aur Sharpe ratio 3.25 hai. Isliye, SBI Midcap Fund aapko better returns deta hai, lekin aapko risk ko samajhna hoga.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund ki expense ratio 0.12% hai, aur SBI Midcap Fund ki expense ratio 1.62% hai. Isliye, SBI Liquid Fund aapke liye more 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