Angel One Mutual Fund Liquid Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
11.02%
Aaj hum dwaaraa Fund A aur Fund B ke beech ka ek comparision karne wala hai. Fund A ek Liquid Fund hai, jabki Fund B ek Large Cap Fund hai. Aapko iske beech ka comparison karne ke liye, hum aapko Fund A aur Fund B ke visheshataon ke baare mein jaankari denge.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | HDFC Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 14.66 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.31% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.05 |
| Sharpe Ratio | 2.36 | 0.35 |
| 1 Year Return (%) | 6.03% | -2.86% |
| 3 Year Return (%) | 6.76% | 11.02% |
| 5 Year Return (%) | 5.95% | 10.33% |
| Since Launch (%) | 6.23% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Rahul Baijal; Roshi Jain (4.1 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 | 221% | 33% |
🤖 AI Verdict – Which is Better?
Agar aap long-term wealth creation ke liye invest kar rahe hain, to Fund B bhaad mein hai. Iska 3Y return 11.02% hai, jabki Fund A ka 3Y return 6.76% hai. Aise mein expense ratio bhi Fund B ka kam hai, jo 0.31% hai. Chaliye Fund A ka riskometer Low hai, jabki Fund B ka Riskometer Very High hai, isliye yah fund risk ke liye aapke liye achha nahi 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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Agar aap monthly SIP ke liye invest kar rahe hain, to Fund A aapke liye achha fund hai. Iska 1Y return 6.03% hai, jo Fund B se kam hai. Lekin Fund A ka 3Y return 6.76% hai, jisase Fund B ka 3Y return zyada hai, isliye yah fund long term ke liye achha hai. Dekho, Fund A ka consistency aur return stability bhi zyada hai.
⚠️ Risk & Cost Analysis
Riskometer ke baare mein baat karein, to Fund A ka Riskometer Low hai, jabki Fund B ka Riskometer Very High hai. Volatility ke baare mein bhi, Fund A ka volatility 0.11 hai, jabki Fund B ka volatility 13.05 hai. Sharpe ratio ke baare mein, Fund A ka Sharpe ratio 2.36 hai, jabki Fund B ka Sharpe ratio 0.35 hai. Ismein expense ratio bhi aata hai, jo Fund A ka 0.12% hai, lekin Fund B ka 0.31% hai. Isliye Fund A aapke liye better risk-adjusted returns offer karega.
📊 Portfolio Diversification
Agar aap asset allocation ke baare mein sochte hain, to Fund A ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur Cash: 5.00% hai. Jabki Fund B ka asset allocation Equity: 96.00%, aur T-Bills: 4.00% hai. Ismein Top 3 holdings ka bhi comparison aata hai, jo Fund A mein State Bank of India CD (8.5%), HDFC Bank CD (7.2%), aur Reliance Industries T-Bills (6.8%) hai, jabki Fund B mein HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), aur Reliance Industries Ltd. (6.9%) hai. Ismein Fund A ka asset allocation aur Top 3 holdings concentration zyada diversified hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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 5Y return 10.33% hai, jo Fund A ka 5Y return 5.95% se zyada hai, isliye Fund B long run ke liye bhaad mein hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka Sharpe ratio 0.35 hai, jo Fund A ka Sharpe ratio 2.36 se kam hai, isliye Fund B ka higher risk ki wajah se aapke liye nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai, ki Fund A ka expense ratio 0.12% hai, jo Fund B ka expense ratio 0.31% se kam hai, isliye Fund A aapke liye 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