Angel One Mutual Fund Liquid Fund vs HSBC Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
14.7%
Chaliye, let's explore two different types of funds - Liquid Fund and Large Cap Fund. Fund A, an Angel One Liquid Fund, and Fund B, an HSBC Large Cap Fund, are the focus today. Dekho, we will compare their performance, risk, and cost to see which one is better for Indian investors.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | HSBC Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 2132.04 | 497.22 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.97 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.46 |
| Sharpe Ratio | 2.36 | 0.72 |
| 1 Year Return (%) | 6.03% | -4.02% |
| 3 Year Return (%) | 6.76% | 14.7% |
| 5 Year Return (%) | 5.95% | 12.03% |
| Since Launch (%) | 6.23% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Cheenu Gupta (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 | 221% | 18% |
🤖 AI Verdict – Which is Better?
Sach ye hai, for long-term wealth creation, we need to look at the 3Y return, expense ratio, and risk. Fund B, the Large Cap Fund, has a 3Y return of 14.7%, which is higher than Fund A's 6.76%. Lekin, its expense ratio is also higher at 0.52%. Considering these factors, our verdict is that Fund A, the Liquid Fund, is better for long-term wealth creation due to its lower expense ratio and relatively stable returns.
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 HSBC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.97 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
Haan, for a monthly SIP for 10+ years, we need to consider consistency and return stability. Fund A, the Liquid Fund, has a 1Y return of 6.03% and 3Y return of 6.76%, which makes it a better choice for a SIP. Its returns are more stable and consistent compared to Fund B's large cap fund.
⚠️ Risk & Cost Analysis
Ek baar dekho, let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. Fund A, the Liquid Fund, has a low riskometer and low volatility, making it a safer choice. Its Sharpe ratio is also higher at 2.36. On the other hand, Fund B, the Large Cap Fund, has a very high riskometer and high volatility, which may not be suitable for all investors. Considering these factors, Fund A offers better risk-adjusted returns.
📊 Portfolio Diversification
Chaliye, let's compare the asset allocation and top holdings concentration of both funds. Fund A, the Liquid Fund, has a diversified portfolio with 65% T-Bills, 20% CD, 10% CP, and 5% cash. Its top 3 holdings are State Bank of India CD (8.5%), HDFC Bank CD (7.2%), and Reliance Industries T-Bills (6.8%). Fund B, the Large Cap Fund, has a concentrated portfolio with 96% equity and 4% T-Bills. Its top 3 holdings are HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), and Reliance Industries Ltd. (6.9%).
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
HSBC 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?
According to the 5Y return, Fund B, the Large Cap Fund, gives better returns with 12.03% compared to Fund A's 5.95%. However, its 3Y return is higher at 14.7%, making it a better choice for long-term investors.
Q2: Is the higher risk fund worth it?
Comparing volatility and Sharpe ratio, Fund B, the Large Cap Fund, has a higher volatility of 11.46 and lower Sharpe ratio of 0.72. Lekin, its higher returns may make it worth the risk for some investors. Dekho, it's essential to assess your risk tolerance and investment goals before investing in a higher-risk fund.
Q3: Which fund is more cost-effective?
Comparing the expense ratio, Fund A, the Liquid Fund, has a lower expense ratio of 0.12% compared to Fund B's 0.52%. This makes Fund A a more cost-effective choice for investors.
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