SBI Liquid Fund vs UTI 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%
Dekho, aap dono funds mein kya farq hai? Fund A, SBI Liquid Fund Direct Plan Growth, aur Fund B, UTI Mutual Fund Large Cap Fund Direct Plan Growth. Aaj hum aapko iski comparison karenge. Aapko malum ho jayega ki long-term mein kis fund ki zaroorat hai. Chaliye shuru karte hain.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 497.22 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 11.79 |
| Sharpe Ratio | 3.25 | 0.7 |
| 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) | V. Srivatsa (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% | 21% |
🤖 AI Verdict – Which is Better?
Haan, sabse pehle hum Fund A aur Fund B ke beech ki comparison karenge. 3Y return, expense ratio, aur risk ke hisaab se hum dekhenge ki kis fund ki zaroorat hai. Fund A ki 3Y return 6.89% hai, jo Fund B ki 14.7% se bahut alag hai. Lekin expense ratio ke hisaab se Fund A 0.12% hai, jo Fund B ki 0.52% se kam hai. Riskometer ke hisaab se Fund A ki risk low hai, lekin Fund B ki risk very high hai. Sach ye hai, Fund A long-term mein aapke liye better fund 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 UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
Chaliye ab hum dekhte hain ki dono funds mein SIP (Systematic Investment Plan) kis tarah se lagta hai. Fund A ki consistency aur return stability Fund B se zyada hai. 1Y return Fund A ki 6.15% hai, jo Fund B ki -4.02% se bahut alag hai. 5Y return Fund A ki 6.09% hai, jo Fund B ki 12.03% se kam hai. Isliye, Fund A monthly SIP ke liye zyada suit hai.
⚠️ Risk & Cost Analysis
Ab hum riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se dono funds ki comparison karenge. Fund A ki riskometer low hai, jo Fund B ki very high risk se alag hai. Volatility ke hisaab se Fund A ki volatility 0.12 hai, jo Fund B ki 11.79 se bahut kam hai. Sharpe ratio ke hisaab se Fund A ki Sharpe ratio 3.25 hai, jo Fund B ki 0.7 se zyada hai. Expense ratio ke hisaab se Fund A ki expense ratio 0.12% hai, jo Fund B ki 0.52% se kam hai. Isliye, Fund A aapke liye better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Ab hum asset allocation aur top holdings concentration ke hisaab se dono funds ki comparison karenge. Fund A ki asset allocation mein 65.00% T-Bills, 20.00% CD, 10.00% CP, aur 5.00% cash hai. Isi tarah, Fund B ki asset allocation mein 96.00% equity aur 4.00% T-Bills hai. Top holdings concentration ke hisaab se Fund A ki top 3 holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai, jo Fund B ki top 3 holdings HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) se alag hai. Isliye, Fund A aapke liye better portfolio diversification deta hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
UTI 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?
Answer: Fund B ki 5Y return 12.03% hai, jo Fund A ki 6.09% se zyada hai. Lekin Fund A ki consistency aur return stability Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
Answer: Na, Fund B ki risk very high hai, jo aapke liye risk-adjusted returns nahin deta hai. Fund A ki risk low hai, jo aapke liye better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ki expense ratio 0.12% hai, jo Fund B ki 0.52% se kam hai. Isliye, Fund A 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