Axis Liquid Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
15.78%
Dekho, today hum baithke Fund A - Axis Liquid Fund aur Fund B - HDFC Small Cap Fund ke beech ka comparison karne ja rahe hain. Ye dono fund bahut alag category mein hain, Fund A ek Liquid fund hai, jabki Fund B Small Cap fund hai. Is article mein hum aapko bataayenge ki konsa fund long term wealth creation ke liye behtar hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 3096.85 | 152.64 |
| AUM (₹ Cr) | 5.16 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.73% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 16.9 |
| Sharpe Ratio | 4.36 | 0.55 |
| 1 Year Return (%) | 6.25% | 0.2% |
| 3 Year Return (%) | 6.98% | 15.78% |
| 5 Year Return (%) | 6.17% | 18.08% |
| Since Launch (%) | 6.86% | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| Asset Allocation | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% | Equity: 90.45% |
| Portfolio Turnover | 207% | 6% |
🤖 AI Verdict – Which is Better?
Pehle to hume dhang se samajhna hoga ki kya aapko long term wealth creation ke liye konsa fund chahiye. Fund A ka 3Y return hai 6.98% jabki Fund B ka 3Y return hai 15.78%. Yeh dono fund ek dusre se bahut alag hain. Fund A ka riskometer Low hai lekin Fund B ka riskometer Very High hai. Haan, expense ratio bhi ek bada factor hai. Fund A ka expense ratio 0.11% hai jabki Fund B ka expense ratio 0.73% hai. Dekho, aapko apni risk appetite kya hai lekin yeh sab kuchh dekhte hi aapko pata chal jayega ki konsa fund behtar hai.
Why consider Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
Why consider HDFC Small Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 15.78%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
SIP investment ke liye bhi humein fund ke consistency aur return stability ka dhyaan rakhna hoga. Fund A ka 1Y return 6.25% hai jabki Fund B ka 1Y return 0.2% hai. Isse aapko lagta hai ki Fund A bahut behtar hai lekin yeh samajhne ke liye ki konsa fund SIP ke liye behtar hai, humein Fund A ka 5Y return bhi dekha jana chahiye. Fund A ka 5Y return 6.17% hai, jo bahut hi kam hai. Fund B ka 5Y return 18.08% hai, jo bahut hi accha hai. Haan, lekin Fund B ka riskometer Very High hai. Isliye, SIP ke liye Fund B bahut hi behtar fund nahi hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sab kuchh factor hain jo humein fund ke risk-adjusted return ko samajhne mein madad karte hain. Fund A ka riskometer Low hai aur volatility 0.11 hai. Fund B ka riskometer Very High hai aur volatility 16.9 hai. Sharpe ratio kya hai? Fund A ka Sharpe ratio 4.36 hai jabki Fund B ka Sharpe ratio 0.55 hai. Isse bhi aapko lagta hai ki Fund A bahut hi behtar hai. Expense ratio kya hai? Fund A ka expense ratio 0.11% hai jabki Fund B ka expense ratio 0.73% hai. Isse bhi aapko lagta hai ki Fund A behtar hai.
📊 Portfolio Diversification
Portfolio diversification kya hai? Ye woh factor hai jo fund ke asset allocation aur top holdings concentration ko samajhne mein madad karta hai. Fund A ka asset allocation CP - 53.47%, CD - 31.44%, T-Bills - 11.86%, Debenture - 0.88%, Money Mkt - 0.39%, Bonds/NCD - 0.28%, NCD - 0.24%, Debt - 0.09%, IRS - 0.0% hai. Fund B ka asset allocation Equity - 90.45% hai. Isse aapko lagta hai ki Fund A ka portfolio diversification bahut hi accha hai lekin Fund B ka portfolio diversification bahut hi kam hai. Top holdings concentration kya hai? Fund A ka top holdings concentration Reserve Bank of India, National Bank For Agriculture & Rural Development, Reliance Jio Infocomm Ltd. hai. Fund B ka top holdings concentration Aster DM Healthcare Ltd., Bank Of Baroda, Firstsource Solutions Ltd. hai. Isse aapko lagta hai ki Fund A ka portfolio diversification bahut hi behtar hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% annual return (3Y)
HDFC Small Cap Fund
₹1462201.27
@15.8% 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 B ka 5Y return 18.08% hai jo Fund A ka 5Y return 6.17% se bahut hi accha hai. Isliye, Fund B long run mein behtar returns dete hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai lekin yeh fund aapko bahut hi acche returns dete hai. Lekin aapko apni risk appetite kya hai, yeh samajhne ke baad hi investment karna chahiye.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.11% hai, jo Fund B ka expense ratio 0.73% se bahut hi kam hai. Isliye, Fund A cost-effective fund 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