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 funds ke beech ka comparison karne ja rahe hain, Fund A: Axis Liquid Fund aur Fund B: HDFC Top 100 Fund. Fund A ek Liquid fund hai jiska riskometer low hai, jabki Fund B ek Large Cap fund hai jiska riskometer very high hai. Is article mein hum Fund B ke liye long-term wealth creation ke liye suitable hai ya nahi, iska verdict dikhaenge.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 3096.85 | 11.21 |
| AUM (₹ Cr) | 5.16 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.11% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 25 June 2014 |
| 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, Fund A ek chhoti aayu ke liye thoda better hai. Isme 3Y return 6.98% hai, expense ratio 0.11% hai, aur riskometer low hai. Fund B ke 3Y return 11.02% hai, lekin expense ratio 1.52% hai. Isliye, Fund A long-term wealth creation ke liye better 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: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Chaliye, Fund A monthly SIP ke liye thoda better hai. Isme consistency aur return stability ki baat karein. Fund A ke 1Y return -2.86% hai, lekin Fund B ke 1Y return -2.86% hai. Isliye, Fund A monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A me riskometer low hai, volatility 0.11 hai, aur Sharpe ratio 4.36 hai. Fund B ke riskometer very high hai, volatility 13.06 hai, aur Sharpe ratio 0.35 hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Haan, Fund A ke asset allocation me CP 53.47% hai, CD 31.44%, aur T-Bills 11.86% hai. Fund B ke asset allocation me Equity 96.00% hai. Isliye, 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?
Sach ye hai, Fund A ke 5Y return 6.17% hai aur 3Y return 6.98% hai. Fund B ke 5Y return 10.33% hai aur 3Y return 11.02% hai. Isliye, Fund B long run ke liye better hai.
Q2: Is the higher risk fund worth it?
Lekin, Fund B ke higher risk fund ki volatility 13.06 hai, aur Sharpe ratio 0.35 hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Haan, Fund A expense ratio 0.11% hai, aur Fund B expense ratio 1.52% hai. Isliye, Fund A 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