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%
Chaliye, aaj hum dwa fundon ka mukhya parichay banayeinge - Angel One Mutual Fund Liquid Fund aur HDFC Top 100 Fund. Fund A ek Liquid Fund hai, jabki Fund B ek Large Cap fund hai. Apne investeeon ko sapne ki duniya mein le jana hai, lekin iske liye aapko sahi fund chunne ki zaroorat hai. Aaj hum aapko ye fundon ke beech ka antar darshaenge aur dekhainge ki kis fund mein aapko invest karna chahiye.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | HDFC Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 11.21 |
| AUM (₹ Cr) | 4.67 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 25 June 2014 |
| 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?
Haan, aaj hum aapko fundon ke beech ka verdict deta hain. Fund A ki 3Y return 6.76% hai, jisse ye aapke paisayon ko jald se jald badhane mein madad karegi. Iske saath hi, expense ratio bhi samay par hai, jisse aapko adhik paise milenge. Fund B ki 3Y return bhi achchi hai, lekin riskometer very high hai, jisse isme invest karna mushkil ho sakta hai. Isliye, hum Fund A ko apne long-term wealth creation ke liye achcha fund maante hain.
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: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
SIP karna abhi bhi aapke paas hai, lekin kis fund mein SIP karna aapko achcha lagega? Hum Fund A ko jyada suitable maante hain, kyonki iski return stability aur consistency jyada hai. Is fund mein SIP karna aapke paisayon ko samay ke saath badhane mein madad karega.
⚠️ Risk & Cost Analysis
Haan, aaj hum aapko fundon ke riskometer, volatility, Sharpe ratio, aur expense ratio ke beech ka antar darshaenge. Fund A ki riskometer low hai, jisse isme invest karna jyada mushkil nahin hai. Iske saath hi, volatility bhi kam hai, jisse aapko adhik paise milenge. Fund B ki riskometer very high hai, jisse isme invest karna mushkil ho sakta hai. Isliye, hum Fund A ko apne risk-adjusted returns ke liye achcha fund maante hain.
📊 Portfolio Diversification
Portfolio diversification ke liye, hum Fund A ko jyada suitable maante hain. Is fund mein asset allocation bahut hi acchi hai, jisme T-Bills 65.00% hain, CD 20.00%, CP 10.00%, aur Cash 5.00%. Yeh asset allocation aapke paisayon ko safety mein rakhti hai. Fund B ki asset allocation jyada concentrated hai, jisse sector risk jyada ho sakta 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, Fund A ki 5Y return 5.95% hai, jisse ye Fund B ki 5Y return 10.33% se jyada nahin hai. Isliye, Fund A ki long-term returns Fund B ki jaisi nahin hain.
Q2: Is the higher risk fund worth it?
Nahin, Fund B ki volatility 13.06 hai, jisse isme invest karna mushkil ho sakta hai. Iske saath hi, Sharpe ratio bhi kam hai, jisse Fund B ki risk-adjusted returns Fund A ki jaisi nahin hain.
Q3: Which fund is more cost-effective?
Haan, Fund A ki expense ratio 0.12% hai, jisse yeh Fund B ki expense ratio 1.52% se jyada cost-effective hai. Isliye, Fund A aapke paisayon ko adhik paise milaayega.
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