Angel One Mutual Fund Liquid Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.76%
3Y Return
6.93%
Yeh article mein hum aapko do liquid funds ka comparison karne ja rahay hain - Angel One Mutual Fund aur HSBC Mutual Fund. In dono funds ka category ek hi hai - liquid fund, jismein aapko zaroorat ke anusaar khaali paisa rakhne ki facility mil jati hai. Dekho, yeh funds kya hain aur aapko kya mil sakta hai.
| Parameter | AAngel One Mutual Fund Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | HSBC Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 2132.04 | 5622.79 |
| AUM (₹ Cr) | 4.67 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.13% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 2.36 | 3.91 |
| 1 Year Return (%) | 6.03% | 6.17% |
| 3 Year Return (%) | 6.76% | 6.93% |
| 5 Year Return (%) | 5.95% | 6.11% |
| Since Launch (%) | 6.23% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 13 November 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Cheenu Gupta (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 | 221% | 215% |
🤖 AI Verdict – Which is Better?
Yeh verdict chaliye, aapko kaha jaata hai ki HSBC Mutual Fund better hai. Iska karan 3Y return aur expense ratio hai. HSBC Mutual Fund ka 3Y return 6.93% hai, jiski tulna mein Angel One Mutual Fund ka 3Y return 6.76% hai. Aap ko yeh bhi yaad rakhna hoga ki HSBC Mutual Fund ka expense ratio 0.13% hai, jo ki Angel One Mutual Fund ka 0.12% se kaafi kam hai. Haan, yeh fund aapke long-term wealth creation ke liye acha chunav 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye yeh sawal aata hai ki kis fund se aapka paisa behtar tarah se jod sakta hai. Dekho, aapko yeh dikhne mein aata hai ki HSBC Mutual Fund ka 1Y return 6.17% hai, jiski tulna mein Angel One Mutual Fund ka 1Y return 6.03% hai. Lekin, aapko yeh bhi yaad rakhna hoga ki HSBC Mutual Fund ka 5Y return 6.11% hai, jo ki Angel One Mutual Fund ka 5.95% se kaafi adhik hai. Haan, yeh fund aapke SIP ke liye acha chunav hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisaab se, dono funds low risk hai, lekin HSBC Mutual Fund ka Sharpe ratio 3.91 hai, jo ki Angel One Mutual Fund ka 2.36 se kaafi adhik hai. Iske alawa, HSBC Mutual Fund ka expense ratio 0.13% hai, jo ki Angel One Mutual Fund ka 0.12% se kaafi kam hai. Haan, yeh fund aapke risk-adjusted returns ke liye acha chunav hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, dono funds ka asset allocation ek hi hai - T-Bills, CD, CP aur cash. Lekin, HSBC Mutual Fund ka asset allocation slightly adhik diversified hai. Iske alawa, HSBC Mutual Fund ka top holdings concentration slightly kam hai. Haan, yeh fund aapko portfolio diversification ke liye acha chunav hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Liquid Fund
₹858899.05
@6.8% annual return (3Y)
HSBC 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?
HSBC Mutual Fund ka 5Y return 6.11% hai, jo ki Angel One Mutual Fund ka 5.95% se kaafi adhik hai.
Q2: Is the higher risk fund worth it?
HSBC Mutual Fund ka Sharpe ratio 3.91 hai, jo ki Angel One Mutual Fund ka 2.36 se kaafi adhik hai. Iske alawa, HSBC Mutual Fund ka expense ratio 0.13% hai, jo ki Angel One Mutual Fund ka 0.12% se kaafi kam hai.
Q3: Which fund is more cost-effective?
HSBC Mutual Fund ka expense ratio 0.13% hai, jo ki Angel One Mutual Fund ka 0.12% se kaafi kam 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