Angel One Mutual Fund Multi Cap Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
12.7%
3Y Return
6.93%
Dekho, humne do mutual funds ki comparison ki hai - Fund A, jo ek Multi Cap fund hai, aur Fund B, jo ek Liquid Fund hai. Chaliye, hum is article mein in dono funds ke returns, risk, aur expenses ki comparison karte hain, aur aapko bataate hain ki kaunsa fund long-term wealth creation ke liye behtar hai. Haan, yeh article aapko dono funds ke bare mein puri jaankari dega.
| Parameter | AAngel One Mutual Fund Multi Cap Fund - Regular Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Angel One Mutual Fund | HSBC Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 8.38 | 5622.79 |
| AUM (₹ Cr) | 1.86 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 1.68% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 13.4 | 0.11 |
| Sharpe Ratio | 1.52 | 3.91 |
| 1 Year Return (%) | -11.42% | 6.17% |
| 3 Year Return (%) | 12.7% | 6.93% |
| 5 Year Return (%) | 7.44% | 6.11% |
| Since Launch (%) | -11.2% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 6 November 2024 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Gopal Agrawal; Atul Zabhade (3.2 years yrs) | Cheenu Gupta (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 32% | 215% |
🤖 AI Verdict – Which is Better?
Fund A ka 3Y return 12.7% hai, lekin uska riskometer Very High hai. Fund B ka 3Y return 6.93% hai, lekin uska riskometer Low hai. Sach ye hai, Fund A ka expense ratio 1.68% hai, jo ki Fund B ke 0.13% se bahut zyada hai. Dekho, humare hisaab se, Fund A long-term wealth creation ke liye behtar hai, lekin uska risk bhi zyada hai.
Why consider Angel One Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 12.7%
- AUM: 1.86 Lac Cr
- Sharpe Ratio: 1.52
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
Chaliye, hum SIP ki baat karte hain. Fund A ka 1Y return -11.42% hai, lekin uska 3Y return 12.7% hai. Fund B ka 1Y return 6.17% hai, aur uska 3Y return 6.93% hai. Dekho, Fund B ki returns ki consistency acchi hai, isliye yeh fund SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Dekho, Fund A ka riskometer Very High hai, aur uska volatility 13.4 hai. Fund B ka riskometer Low hai, aur uska volatility 0.11 hai. Haan, Fund B ka Sharpe ratio 3.91 hai, jo ki Fund A ke 1.52 se zyada hai. Sach ye hai, Fund B ka expense ratio 0.13% hai, jo ki Fund A ke 1.68% se bahut kam hai.
📊 Portfolio Diversification
Chaliye, hum asset allocation ki baat karte hain. Fund A ka asset allocation 97% equity hai, aur 3% T-Bills hai. Fund B ka asset allocation 65% T-Bills hai, 20% CD hai, 10% CP hai, aur 5% cash hai. Dekho, Fund B ka portfolio diversification accha hai, lekin Fund A ka top holdings concentration zyada hai.
SIP Calculator – Compare Growth Potential
Angel One Mutual Fund Multi Cap Fund
₹1211348.26
@12.7% 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?
Fund A ka 5Y return 7.44% hai, aur Fund B ka 5Y return 6.11% hai. Dekho, Fund A ka return zyada hai, lekin uska risk bhi zyada hai.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 13.4 hai, aur uska Sharpe ratio 1.52 hai. Fund B ka volatility 0.11 hai, aur uska Sharpe ratio 3.91 hai. Dekho, Fund B ka risk-adjusted return behtar hai.
Q3: Which fund is more cost‑effective?
Fund A ka expense ratio 1.68% hai, aur Fund B ka expense ratio 0.13% hai. Dekho, Fund B ka expense ratio bahut kam hai, isliye yeh fund more 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