SBI Liquid Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
13.45%
Apni investment planning karne ke liye hum do fund ki comparison karne ja rhe hain - SBI Liquid Fund aur SBI Small Cap Fund. Dekho, kya yeh dono fund aapke long-term investment ke liye achhe hain ya nahi?
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 4351.16 | 192.12 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 17.83 |
| Sharpe Ratio | 3.25 | 0.39 |
| 1 Year Return (%) | 6.15% | 0.06% |
| 3 Year Return (%) | 6.89% | 13.45% |
| 5 Year Return (%) | 6.09% | 14.57% |
| Since Launch (%) | 6.79% | 23.96% |
| 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) | R. Srinivasan (10.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 260% | 23% |
🤖 AI Verdict – Which is Better?
Yeh donon fund alag-alag categories mein aate hain, lekin humein long-term wealth creation ke liye ek winner chahiye. Dekho, 3Y return, expense ratio, aur risk ke hisaab se SBI Liquid Fund aur SBI Small Cap Fund ke beech ki comparison karein. SBI Liquid Fund ka 3Y return 6.89% hai, jo ki SBI Small Cap Fund ke 13.45% se bahut alag hai. Expense ratio ke hisaab se bhi SBI Liquid Fund adhik cost-effective hai, jo ki 0.12% hai. Riskometer ke hisaab se bhi SBI Liquid Fund adhik stable hai. Haan, SBI Small Cap Fund ka riskometer Very High hai, lekin yeh fund short-term volatility ka hisaab karta hai. Lekin agar aap long-term wealth creation ka target rakhte hain, to SBI Liquid Fund aapke liye better investment 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 SBI Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Monthly SIP ke liye Fund A aur Fund B ke beech ki comparison karein. SBI Liquid Fund ka 1Y return 6.15% hai, jo ki SBI Small Cap Fund ke 0.06% se bahut alag hai. SBI Liquid Fund ka 3Y return bhi 6.89% hai, jo ki adhik stable hai. Haan, SBI Small Cap Fund ka 3Y return 13.45% hai, lekin yeh fund short-term volatility ka hisaab karta hai. Dekho, SIP ke liye SBI Liquid Fund adhik suitable hai, kyunki yeh fund long-term wealth creation ke liye adhik stable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se SBI Liquid Fund aur SBI Small Cap Fund ke beech ki comparison karein. SBI Liquid Fund ka riskometer Low hai, jo ki adhik stable hai. Volatility ke hisaab se bhi SBI Liquid Fund adhik stable hai, jo ki 0.12 hai. Sharpe ratio ke hisaab se bhi SBI Liquid Fund adhik stable hai, jo ki 3.25 hai. Expense ratio ke hisaab se bhi SBI Liquid Fund adhik cost-effective hai, jo ki 0.12% hai. Haan, SBI Small Cap Fund ka riskometer Very High hai, lekin yeh fund short-term volatility ka hisaab karta hai. Lekin agar aap long-term wealth creation ka target rakhte hain, to SBI Liquid Fund aapke liye better investment option hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ko dekho. Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein hai, jiska 65% T-Bills mein hai. Fund B ka asset allocation equity aur cash mein hai, jiska 91% equity mein hai. Fund A ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Fund B ka top holdings concentration Aarti Drugs Ltd., Hatsun Agro Product Ltd., aur National Aluminium Company Ltd. mein hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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 Small Cap Fund ka 5Y return 14.57% hai, jo ki SBI Liquid Fund ka 5Y return 6.09% se bahut alag hai. Haan, SBI Small Cap Fund ka riskometer Very High hai, lekin yeh fund short-term volatility ka hisaab karta hai. Lekin agar aap long-term wealth creation ka target rakhte hain, to SBI Liquid Fund aapke liye better investment option hai.
Q2: Is the higher risk fund worth it?
SBI Small Cap Fund ka volatility 17.83 hai, jo ki SBI Liquid Fund ka 0.12 se bahut alag hai. Haan, Sharpe ratio ke hisaab se bhi SBI Small Cap Fund adhik risk-prone hai, jo ki 0.39 hai. Lekin agar aap short-term volatility ka hisaab karte hain, to SBI Small Cap Fund aapke liye better investment option hai. Par, agar aap long-term wealth creation ka target rakhte hain, to SBI Liquid Fund aapke liye better investment option hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund ka expense ratio 0.12% hai, jo ki SBI Small Cap Fund ka 0.82% se bahut alag hai. Haan, SBI Liquid Fund adhik cost-effective hai, lekin yeh fund long-term wealth creation ka target rakhta hai. Par, agar aap short-term investment ka target rakhte hain, to SBI Small Cap Fund aapke liye better investment option 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