SBI Liquid Fund vs Tata Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
14.7%
Aapke paas do aise funds hain jo aapko apne nivesh ke liye ek achha vikalp banayeinge. Sabse pehle Fund A, SBI Liquid Fund Direct Plan Growth hai, jiska category Liquid hai aur Fund B, Tata Mutual Fund Large Cap Fund Direct Plan Growth hai, jiska category Large Cap hai. Aaj hum is article mein in donon funds ki tarah aur unke characteristics ke bare mein jankari pradan kar rahe hain. Dekho, yeh aapko kya naye batayenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 1.93 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 12.94 |
| Sharpe Ratio | 3.25 | 0.63 |
| 1 Year Return (%) | 6.15% | -4.02% |
| 3 Year Return (%) | 6.89% | 14.7% |
| 5 Year Return (%) | 6.09% | 12.03% |
| Since Launch (%) | 6.79% | 11.65% |
| 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) | Sonam Udasi (3.5 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. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 260% | 32% |
🤖 AI Verdict – Which is Better?
Chaliye, hum is article mein pehli baat karte hain ki konsa fund long-term wealth creation ke liye better hai. Fund B ka 3Y return 14.7% hai, jiska 3Y return Fund A ka 6.89% hai. Lekin expense ratio ke hisab se, Fund A zyada cost-effective hai. Riskometer ke hisab se, Fund A zyada risk-free hai. Haan, isliye hamara verdict hai ki Fund A better fund 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 Tata Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.93 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
SIP ke liye Fund A aur Fund B dono suitable hai. Lekin, jyada si dur karne ke liye, hum Fund A ko zyada suitable mahsus karte hain. Fund A ka 3Y return 6.89% hai, jiska 5Y return 6.09% hai. Iske alawa, iska expense ratio 0.12% hai. Fund B ka 3Y return 14.7% hai, lekin iska expense ratio 0.52% hai. Haan, isliye SIP ke liye Fund A zyada suitable hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund A zyada risk-free hai. Iske expense ratio 0.12% hai, jiska Sharpe ratio 3.25 hai. Fund B ka expense ratio 0.52% hai, jiska Sharpe ratio 0.63 hai. Volatility ke hisab se, Fund A zyada stable hai. Haan, isliye Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A aur Fund B dono different hain. Fund A ka asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur cash 5.00% hai. Fund B ka asset allocation equity 96.00% aur T-Bills 4.00% hai. Top holdings concentration ke hisab se, Fund A ka asset allocation zyada diversified hai. Isliye, Fund A better portfolio diversification deta hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Tata Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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 ki Fund B ka 3Y return 14.7% hai, lekin Fund A ka 5Y return 6.09% hai. Isliye, Fund B better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk hai, lekin iska Sharpe ratio 0.63 hai, jo Fund A ka 3.25 se kam hai. Isliye, Fund B higher risk fund hai, lekin iska value hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.12% hai, jiska Fund B ka expense ratio 0.52% hai. Isliye, Fund A zyada 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