Angel One Mutual Fund Liquid Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
16.22%
Ab hum aapko do fundon ka comparison karne waale hain. Fund A, Angel One Mutual Fund Liquid Fund - Direct Plan - Growth ek Liquid Fund hai, jabki Fund B, HDFC ELSS Tax Saver Fund - Direct Plan - Growth ek ELSS (Equity Linked Savings Scheme) fund hai. Dekho, yeh donon fund kya offer karte hain aur kisne aapko bhaari paise ka niveshan karne ke liye best option ban sakta hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | HDFC Mutual Fund |
| Category | Liquid Fund | ELSS |
| NAV (₹) | 2132.04 | 1325.00 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.24% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.3 |
| Sharpe Ratio | 2.36 | 0.73 |
| 1 Year Return (%) | 6.03% | -5.24% |
| 3 Year Return (%) | 6.76% | 16.22% |
| 5 Year Return (%) | 5.95% | 16.62% |
| Since Launch (%) | 6.23% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 221% | 32% |
🤖 AI Verdict – Which is Better?
Haan, yeh fund donon aapke long-term wealth creation ke liye bahut acche hain. Lekin, yeh Fund B, HDFC ELSS Tax Saver Fund - Direct Plan - Growth fund aapke liye zyada hi accha hai. Woh 3Y return mein 16.22% ka return deta hai, jabki Fund A ka 3Y return 6.76% hai. Iske alawa, Fund B ka expense ratio 1.24% hai, joFund A ka expense ratio 0.12% se bhi adhik hai. Riskometer aur volatility ke hisaab se bhi Fund B zyada hi riski hai, lekin yeh sabse achha fund hai jisne long-term wealth creation ke liye aapke liye zyada hi accha option banaya hai.
Why consider Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
Why consider HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP (Sistemtic Investment Plan) ke liye donon fund acche hain. Lekin, yeh Fund A, Angel One Mutual Fund Liquid Fund - Direct Plan - Growth fund aapke liye zyada hi accha hai. Iska 3Y return aur 5Y return dono Fund B se adhik hai. Iske alawa, Fund A ka expense ratio Fund B ka expense ratio se kam hai. Isliye, yeh fund SIP ke liye aapke liye zyada hi accha hai.
⚠️ Risk & Cost Analysis
Haan, yeh fund donon riskometer aur volatility ke hisaab se bhi alag-alag hain. Fund A ka riskometer Low hai, jabki Fund B ka riskometer Very High hai. Iske alawa, Fund A ka volatility 0.11 hai, jabki Fund B ka volatility 13.3 hai. Sharpe ratio aur expense ratio ke hisaab se bhi Fund A fund aapke liye zyada hi accha hai. Isliye, yeh fund aapke liye zyada hi risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se dekho, Fund A ka asset allocation Fund B se alag hai. Fund A mein T-Bills 65.00%, CD 20.00%, CP 10.00%, aur Cash 5.00% hai. Iske alawa, Fund A ka top holdings concentration bhi Fund B se alag hai. Fund A mein State Bank of India CD 8.5%, HDFC Bank CD 7.2%, aur Reliance Industries T-Bills 6.8% hai. Isliye, yeh fund aapke liye portfolio diversification ke liye zyada hi accha hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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, Fund B, HDFC ELSS Tax Saver Fund - Direct Plan - Growth fund long run mein aapko adhik returns deta hai. Iske 5Y return 16.62% hai, jo Fund A ka 5Y return 5.95% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, yeh fund aapke liye zyada hi accha hai. Fund B ka volatility 13.3 hai, jo Fund A ka volatility 0.11 se adhik hai. Iske alawa, Fund B ka Sharpe ratio 0.73 hai, jo Fund A ka Sharpe ratio 2.36 se kam hai. Isliye, yeh fund aapke liye zyada hi accha hai.
Q3: Which fund is more cost‑effective?
Sach ye hai, Fund A, Angel One Mutual Fund Liquid Fund - Direct Plan - Growth fund aapke liye zyada hi cost-effective hai. Iska expense ratio 0.12% hai, jo Fund B ka expense ratio 1.24% se kam hai. Isliye, yeh fund aapke liye zyada hi accha 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