Groww Mutual Fund Liquid Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
15.78%
Chaliye, dekho, main aapko do mutual funds ki comparison karne ja raha hoon. Fund A, Groww Liquid Fund, hai ek liquid fund jo risk se bachne ke liye upyukt hai. Fund B, HDFC Small Cap Fund, hai ek small cap fund jo aage badhne ke like upyukt hai. Aaj hum is article mein aapko batayenge ki dono fundon ke beech kya antar hai aur aapko kis fund mein investment karna chahiye.
| Parameter | AGroww Mutual Fund Liquid Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Groww Mutual Fund | HDFC Mutual Fund |
| Category | Liquid Fund | Small Cap |
| NAV (₹) | 5622.79 | 152.64 |
| AUM (₹ Cr) | 4.60 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.73% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 16.9 |
| Sharpe Ratio | 3.91 | 0.55 |
| 1 Year Return (%) | 6.17% | 0.2% |
| 3 Year Return (%) | 6.93% | 15.78% |
| 5 Year Return (%) | 6.11% | 18.08% |
| Since Launch (%) | 50.63% | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 90.45% |
| Portfolio Turnover | 203% | 6% |
🤖 AI Verdict – Which is Better?
Haan, dekho, hamara verdict hai ki Fund B, HDFC Small Cap Fund, long-term wealth creation ke liye upyukt hai. Iska 3Y return 15.78% hai, jo Fund A ki 3Y return 6.93% se adhik hai. Lekin, is fund ka expense ratio 0.73% hai, jo Fund A ki 0.12% se adhik hai. Riskometer bhi Fund B ka bahut hi riski hai, lekin agar aap long-term investment karte hai toh iska risk bahut kam ho jata hai.
Why consider Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
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
Sach ye hai, SIP (Systematic Investment Plan) ke liye Fund A bahut hi upyukt hai. Iska return stable hai aur AUM bahut hi jyada hai, jisse aapko invest karna bahut hi asan ho jayega. Fund B ka return bahut hi adhik hai, lekin iska risk bhi bahut hi upar hai. Isliye, aapko 10+ saal ke liye SIP karna chahiye, toh Fund A upyukt hai.
⚠️ Risk & Cost Analysis
Chaliye, dekho, riskometer aur volatility ke beech ka antar. Fund A ka riskometer low hai, lekin Fund B ka high hai. Lekin, Fund B ka Sharpe ratio 0.55 hai, jo Fund A ki 3.91 se kam hai. Expense ratio bhi Fund B ka bahut hi adhik hai, 0.73% hai. Isliye, Fund A better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Haan, dekho, asset allocation aur top holdings concentration ke beech ka antar. Fund A ka asset allocation T-Bills, CD, CP, aur cash ke beech hai, jisse iska risk bahut hi kam ho jata hai. Fund B ka asset allocation equity ke beech hai, jisse iska risk bahut hi upar hai. Top holdings concentration bhi Fund B ka bahut hi upar hai, lekin Fund A ka kam hai. Isliye, Fund A portfolio diversification ke liye upyukt hai.
SIP Calculator – Compare Growth Potential
Groww Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Answer hai ki Fund B ka 5Y return 18.08% hai, jo Fund A ki 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Answer hai ki Fund B ka risk high hai, lekin Sharpe ratio 0.55 hai, jo Fund A ki 3.91 se kam hai. Isliye, aapko decide karna hai ki aap kiski risk le sakte hai.
Q3: Which fund is more cost-effective?
Answer hai ki Fund A ka expense ratio 0.12% hai, jo Fund B ki 0.73% se kam 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