Axis Liquid Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.98%
3Y Return
11.02%
Ab hum do fundon ke beech ka comparison karne wale hai. Fund A Axis Liquid Fund hai aur Fund B HDFC Top 100 Fund. Ye dono fund different categories mein aate hai aur unki performance bhi alag-alag hai. Is article mein hum Fund A aur Fund B ke beech ka comparison karenge aur dekhenge ki konsa fund long-term wealth creation ke liye accha hai.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 3096.85 | 14.66 |
| AUM (₹ Cr) | 5.16 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.31% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.05 |
| Sharpe Ratio | 4.36 | 0.35 |
| 1 Year Return (%) | 6.25% | -2.86% |
| 3 Year Return (%) | 6.98% | 11.02% |
| 5 Year Return (%) | 6.17% | 10.33% |
| Since Launch (%) | 6.86% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 207% | 33% |
🤖 AI Verdict – Which is Better?
Haan, ab hum dekhenge ki konsa fund better hai. Dekho, Fund A ka 3Y return 6.98% hai, jo Fund B ka 3Y return 11.02% se kam hai. Lekin Fund A ka expense ratio 0.11% hai, jo Fund B ka expense ratio 0.31% se kam hai. Aur Fund A ka riskometer Low hai, jo Fund B ka riskometer Very High hai. Sach ye hai, Fund A long-term wealth creation ke liye better fund 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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Aapko monthly SIP karna hai aur 10+ saal ke liye plan karna hai, to Fund A better fund hai. Yeh fund consistent return deta hai aur volatility kam hai. Fund B mein bhi return aata hai, lekin volatility jyada hai, jisse SIP ke liye kam accha hai.
⚠️ Risk & Cost Analysis
Aapko Fund A aur Fund B ke riskometer, volatility, Sharpe ratio aur expense ratio ke beech ka comparison karna hai. Dekho, Fund A ka riskometer Low hai, jo Fund B ka riskometer Very High hai. Fund A ka volatility 0.11 hai, jo Fund B ka volatility 13.05 hai. Sharpe ratio mein bhi Fund A better hai. Aur expense ratio mein bhi Fund A kam hai. Sach ye hai, Fund A mehngai se bachne aur risk se bachne ke liye better hai.
📊 Portfolio Diversification
Aapko Fund A aur Fund B ke asset allocation aur top holdings concentration ke beech ka comparison karna hai. Dekho, Fund A ka asset allocation diversified hai, jisme CP, CD, T-Bills, Debenture, Money Mkt, Bonds/NCD, NCD, Debt aur IRS shamil hai. Fund B ka asset allocation kam diversified hai, jisme Equity aur T-Bills shamil hai. Top holdings concentration mein bhi Fund A kam hai, jisse sector risk kam hai. Sach ye hai, Fund A portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% 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?
Ab hum dekhenge ki konsa fund better hai. Fund A ka 5Y return 6.17% hai, jo Fund B ka 5Y return 10.33% se kam hai. Lekin Fund A ka expense ratio kam hai. Sach ye hai, Fund B fund better hai.
Q2: Is the higher risk fund worth it?
Ab hum dekhenge ki higher risk fund worth hai ya nahi. Fund B ka volatility 13.05 hai, jo Fund A ka volatility 0.11 se kam hai. Sharpe ratio mein bhi Fund A better hai. Lekin Fund B ka return Fund A ke compare kam hai. Sach ye hai, higher risk fund nahi worth hai.
Q3: Which fund is more cost-effective?
Ab hum dekhenge ki konsa fund cost-effective hai. Fund A ka expense ratio 0.11% hai, jo Fund B ka expense ratio 0.31% se kam hai. Lekin Fund A ka return Fund B ke compare kam hai. Sach ye hai, 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