SBI Liquid Fund vs UTI 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%
Aaj hum ek compare karne wale hai Fund A - SBI Liquid Fund aur Fund B - UTI Mutual Fund Liquid Fund ke beech. Ye dono funds liquid category mein aate hain aur humein apne long-term wealth creation ke liye kya chunna hai, iske baare mein jaanne ke liye humein ye compare karna hoga.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | UTI Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 4351.16 | 5622.79 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.25 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye humare paas 3Y return, expense ratio aur risk ka data hai. Dekho, Fund B ki 3Y return 6.93 hai, jo Fund A ki 6.89 se zyada hai. Lekin expense ratio bhi kam hai, 0.12% hi. Haan, Riskometer Low hai, lekin volatility 0.11 hai, jo Fund A ki 0.12 se kam hai. Sach ye hai, Fund B long-term mein 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Monthly SIP ke liye, humein consistency aur return stability ka dhyan dena hoga. Dekho, Fund A ki 1Y return 6.15 hai, jo Fund B ki 6.17 se kam hai. Lekin Fund A ki Sharpe ratio 3.25 hai, jo Fund B ki 3.91 se kam hai. Chaliye, Fund B SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ka compare karte hai. Dekho, Fund B ki Riskometer Low hai, jo Fund A ki jaisi hai. Lekin volatility 0.11 hai, jo Fund A ki 0.12 se kam hai. Sharpe ratio bhi high hai, 3.91. Haan, expense ratio bhi kam hai, 0.12%. Sach ye hai, Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka compare karte hai. Dekho, dono funds ki asset allocation bahut hi similar hai, T-Bills, CD, CP aur Cash ke beech. Lekin top holdings mein, State Bank of India CD aur HDFC Bank CD Fund A mein top 2 positions par hain, to Fund B mein bhi. Haan, Reliance Industries T-Bills Fund B mein 6.8% investment hai, jo Fund A mein 6.8% hai. Sach ye hai, dono funds ki portfolio diversification similar hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
UTI 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?
5Y mein, Fund B ki return 6.11 hai, jo Fund A ki 6.09 se zyada hai. Humein lagta hai, Fund B long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Volatility 0.11 hai, jo Fund A ki 0.12 se kam hai. Sharpe ratio bhi high hai, 3.91. Haan, expense ratio bhi kam hai, 0.12%. Sach ye hai, Fund B higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Expense ratio 0.12% hai, jo dono funds mein same hai. Lekin Fund B ki Sharpe ratio high hai, 3.91. Haan, volatility bhi kam hai, 0.11. Sach ye hai, Fund B 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