SBI Liquid Fund vs Tata Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
6.93%
Dekho, today hum do liquid funds ki comparison karne ja rhe hain - SBI Liquid Fund aur Tata Mutual Fund Liquid Fund. Ye do funds apne category mein sabse bade hain aur investor ke liye kafi acche hain. Chaliye, hum unke features aur performance ko dekhte hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Tata Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.13 |
| Sharpe Ratio | 3.25 | 3.31 |
| 1 Year Return (%) | 6.15% | 6.17% |
| 3 Year Return (%) | 6.89% | 6.93% |
| 5 Year Return (%) | 6.09% | 6.11% |
| Since Launch (%) | 6.79% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 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 Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 260% | 297% |
🤖 AI Verdict – Which is Better?
Haan, ye sawal sabse aam hai ki kis fund mein paisa lagane ka manufaat hai. Dekho, long term mein wealth creation ke liye humein 3Y return, expense ratio aur risk ka dhyan rakhna hoga. Sach ye hai, Tata Mutual Fund Liquid Fund 6.93% 3Y return ke sath kafi achha hai. Iske alawa, expense ratio bhi 0.12% hai, jo SBI Liquid Fund ke 0.12% se kam hai. Riskometer bhi dono fund Low category mein hai, lekin volatility 0.13 hai, jo SBI Liquid Fund ke 0.12 se thoda jyada hai. Lekin, Sharpe ratio 3.31 hai, jo SBI Liquid Fund ke 3.25 se jyada hai. Toh, Tata Mutual Fund Liquid Fund our verdict ke roop mein better 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
SIP ke liye fund ki consistency aur return stability ka dhyan rakhna hoga. Dekho, Tata Mutual Fund Liquid Fund 3Y aur 5Y mein aise return deta hai jo SBI Liquid Fund se jyada hain. Isse pata chalta hai ki Tata Mutual Fund Liquid Fund SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer mein dono fund low hai, lekin volatility mein Tata Mutual Fund Liquid Fund thoda sa zyada hai, jo 0.13 hai. Sharpe ratio mein bhi Tata Mutual Fund Liquid Fund ka 3.31 hai, jo SBI Liquid Fund ka 3.25 se zyada hai. Expense ratio mein bhi dono fund bhi equal hai, jo 0.12% hai. Haan, yeh dono fund low risk fund hain, lekin hum Tata Mutual Fund Liquid Fund ko better fund maante hain.
📊 Portfolio Diversification
Asset allocation mein dono fund 65% T-Bills, 20% CD, 10% CP, aur 5% cash mein hai. Lekin asset concentration mein Tata Mutual Fund Liquid Fund thoda sa kam hai, jo 8.5% State Bank of India CD aur 7.2% HDFC Bank CD hai. Haan, SBI Liquid Fund ka asset concentration bhi accha hai, lekin Tata Mutual Fund Liquid Fund ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Sach ye hai, Tata Mutual Fund Liquid Fund ka 5Y return aur consistency dono side se accha hai.
Q2: Is the higher risk fund worth it?
Hum Tata Mutual Fund Liquid Fund ko better fund maante hain, lekin yeh fund thoda sa zyada volatility hai, jo 0.13 hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund aur Tata Mutual Fund Liquid Fund dono fund ke expense ratio 0.12% hai, lekin yeh dono fund low expense ratio wale fund hain.
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