SBI Liquid Fund vs Sundaram Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
22.93%
Aaj hum do mutual funds ke beech ka comparison karne ja rahe hain: SBI Liquid Fund aur Sundaram Mutual Fund Multi Cap Fund. Ye do funds alag-alag categories mein aate hain: Liquid aur Multi Cap. Hamare paas fund A ki jankari hai, jo ek liquid fund hai, aur fund B, jo ek multi cap fund hai. Dekho, kya fund A fund B se better hai. Is article mein hum fund A aur fund B ke beech ka detail comparison karne jaenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BSundaram Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Sundaram Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 4351.16 | 1431.56 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.65 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 14.8 |
| Sharpe Ratio | 3.25 | 1.11 |
| 1 Year Return (%) | 6.15% | 6.91% |
| 3 Year Return (%) | 6.89% | 22.93% |
| 5 Year Return (%) | 6.09% | 19.07% |
| Since Launch (%) | 6.79% | 15.59% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | S. Krishnakumar (3.5 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 260% | 50% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki fund A, SBI Liquid Fund, long-term wealth creation ke liye better hai. Iska reason hai fund A ki 3Y return, jo 6.89% hai, aur expense ratio, jo 0.12% hai. Dekho, fund B ki 3Y return 22.93% hai, lekin expense ratio 1.68% hai, jiski comparison fund A se kathin hai. Riskometer aur volatility ke hisab se bhi fund A better hai. Haan, fund B ki volatility bahut high hai, lekin Sharpe ratio 1.11 hai, jo fund A ki 3.25 se kam hai. Sach ye hai, fund A long-term wealth creation ke liye better investment 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 Sundaram Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 22.93%
- AUM: 1.65 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Chaliye, aapko fund A ya fund B ka monthly SIP karna hai, lekin 10 saal se zyada. Dekho, fund A ki return stability aur consistency bahut acchi hai, lekin fund B ki return stability kam hai. Fund A ki 1Y aur 3Y return bahut kam hai, lekin fund B ki return bahut high hai. Lekin, fund B ki volatility bahut high hai, jiski wajah se fund A ke monthly SIP ki consistency better hai. Haan, fund A ke monthly SIP se aapko nishchit return mil sakta hai, lekin fund B ke monthly SIP se aapko risk bhi hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se fund A better hai. Fund A ki riskometer low hai, aur volatility 0.12 hai, jo fund B ki volatility 14.8 se kam hai. Sharpe ratio ke hisab se bhi fund A better hai, jo 3.25 hai, lekin fund B ki Sharpe ratio 1.11 hai. Expense ratio ke hisab se bhi fund A better hai, jo 0.12% hai, lekin fund B ki expense ratio 1.68% hai. Haan, fund A fund B se better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se fund A better hai. Fund A mein T-Bills, CD, CP, aur cash ka asset allocation hai, jiska mukhya bhaag T-Bills mein hai. Fund B mein equity aur T-Bills ka asset allocation hai, jiska mukhya bhaag equity mein hai. Dekho, fund A mein asset allocation bahut diversify hai, lekin fund B mein asset allocation kam diversify hai. Haan, fund A ke asset allocation se aapko sector risk kam hai, lekin fund B ke asset allocation se aapko sector risk bahut high hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Sundaram Mutual Fund Multi Cap Fund
₹2318032.57
@22.9% 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?
Abhut acchi baat hai ki fund B ki 5Y return 19.07% hai, jo fund A ki 5Y return 6.09% se high hai. Lekin, fund B ki 3Y return 22.93% hai, jo fund A ki 3Y return 6.89% se bahut high hai. Haan, fund B ki long-term return stability aur consistency fund A se kam hai, lekin fund B ki high return se aapko long-term wealth creation ke liye benefits mil sakte hain.
Q2: Is the higher risk fund worth it?
Haan, fund B ki high volatility aur risk fund A ke risk se kam hai. Lekin, fund B ki Sharpe ratio 1.11 hai, jo fund A ki Sharpe ratio 3.25 se kam hai. Haan, fund B ki higher risk se aapko higher returns milein, lekin fund A ki lower risk se aapko higher returns stability aur consistency mil sakti hai.
Q3: Which fund is more cost-effective?
Haan, fund A fund B se cost-effective hai. Fund A ki expense ratio 0.12% hai, jo fund B ki expense ratio 1.68% se kam hai. Haan, fund A ki cost-effectiveness se aapko higher returns stability aur consistency mil sakti hai, lekin fund B ki high expense ratio se aapko higher returns ki guarantee nahin 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