Axis 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
6.98%
3Y Return
6.93%
Chaliye, dekho, main aapko do aam aur Liquid Fund ke beech ka suljhaav denge. Fund A hai Axis Liquid Fund aur Fund B hai HSBC Mutual Fund Liquid Fund. Aap jante hain ki Liquid Fund jaldi paise nikalne ke liye hain, lekin kya dono fund mein aapka paisa sahi tarike se invest ho raha hai? Aapko yahaan hum aapko yehi suljhaav dene ja rahe hain.
| Parameter | AAxis Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Axis Mutual Fund | HSBC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 3096.85 | 5622.79 |
| AUM (₹ Cr) | 5.16 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.11% | 0.13% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 4.36 | 3.91 |
| 1 Year Return (%) | 6.25% | 6.17% |
| 3 Year Return (%) | 6.98% | 6.93% |
| 5 Year Return (%) | 6.17% | 6.11% |
| Since Launch (%) | 6.86% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) | Cheenu Gupta (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 207% | 215% |
🤖 AI Verdict – Which is Better?
Haan, Fund A aur Fund B dono mein aapko kuch aise baatein hain jo aapko fund ki tareef mein dene padengi, lekin Fund B ki expense ratio thodi zyada hai. Lekin, agar aap long term mein paaye, to Fund B ki 3Y return thodi zyada hai. To, lekin kya ye fund aapke liye sahi hai? Aapko aise fund chahiye jahaan aapka paisa thoda se time par aayega aur fund ki expense ratio kam ho. Isme se Fund A hi behtar lagta 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Sach ye hai, SIP (Systematic Investment Plan) ek aisa tareeka hai jismein aap apne paisa ko regular interval par invest karte hain. Aur, agar aap SIP ke liye Fund A ko chunenge, to Fund A ki return stability aur consistency Fund B ke compare mein kam hai. Lekin, Fund A ki expense ratio kam hai. Isliye, Fund A SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Abhi, hum apne aapko risk ki baat kar rahe hain. Fund A ki Riskometer low hai aur volatility bhi kam hai. Iske alawa, Fund A ki expense ratio bhi kam hai. To, Fund A ka Sharpe ratio bhi kam hai, lekin fund ki expense ratio kam hai. Isliye, Fund A risk ki perspective se behtar fund hai.
📊 Portfolio Diversification
Ab, hum apne aapko Fund A aur Fund B ke asset allocation ke bare mein dekhenge. Fund A mein CP, CD, T-Bills, aur Debenture hain, jahaan Fund B mein T-Bills, CD, aur CP hain. Aur, Fund A ki asset allocation Fund B ke compare mein kam diversified hai. Iske alawa, Fund A ki top holdings concentration bhi kam hai. Isliye, Fund A portfolio diversification ke liye behtar fund hai.
SIP Calculator – Compare Growth Potential
Axis Liquid Fund
₹869500.53
@7.0% 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?
Sach ye hai, Fund B ki 5Y return 6.11% hai, jo Fund A ki 5Y return 6.17% se kam hai. Isliye, Fund A long run mein behtar fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ki volatility Fund B ke compare mein kam hai. Iske alawa, Fund A ki expense ratio bhi kam hai. Isliye, Fund A higher risk fund ke compare mein behtar fund hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ki expense ratio 0.11% hai, jo Fund B ki expense ratio 0.13% se kam hai. Isliye, Fund A more 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