HDFC Balanced Advantage Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.85%
dekho, agar aapko do fund ke beech chunav karna hai, to ye dono fund alag categories mein aate hain - Hybrid aur Liquid Fund. Fund A, HDFC Balanced Advantage Fund, Hybrid category mein aata hai, jabki Fund B, Aditya Birla Sun Life Liquid Fund, Liquid Fund category mein aata hai. isme hum aapko bataayenge ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Aditya Birla Sun Life |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 443.77 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.13 |
| Sharpe Ratio | 0.93 | 2.69 |
| 1 Year Return (%) | -1.45% | 6.09% |
| 3 Year Return (%) | 14.5% | 6.85% |
| 5 Year Return (%) | 15.05% | 6.05% |
| Since Launch (%) | 13.14% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 50 Hybrid Composite Debt 65:35 Index | NIFTY Liquid Index |
| Top 3 Holdings | ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 69.75% | GOI Sec: 7.48% | Debenture: 6.09% | NCD: 3.03% | Debt: 2.73% | SDL: 1.63% | REITs: 1.27% | Bonds/NCD: 0.99% | CD: 0.87% | Bonds/Deb: 0.7% | Sec. Debt: 0.42% | InvITs: 0.28% | FRB: 0.09% | Add. Tier 1 Bond: 0.05% | FD: 0.03% | ZCB: 0.03% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 27% | 279% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye, humare verdict ke anusar Fund A, HDFC Balanced Advantage Fund, behtar hai. iske 3Y return 14.5% hai, jo Fund B ke 6.85% se zyada hai. lekin, risk bhi moderately high hai, aur expense ratio 0.75% hai, jo Fund B ke 0.12% se zyada hai. chaliye, iska matlab ye nahi hai ki Fund B kharab hai, lekin long-term mein Fund A behtar hai.
Why consider HDFC Balanced Advantage Fund?
- Expense ratio: 0.75%
- 3Y return: 14.5%
- AUM: 10.54 Lac Cr
- Sharpe Ratio: 0.93
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
sach ye hai ki dono funds SIP ke liye upyukt hain, lekin agar aap 10+ saal ke liye SIP karna chahte hain, to Fund A behtar hai. iske returns zyada consistent hain, aur volatility bhi kam hai. dekho, Fund B ka return stability zyada hai, lekin returns bhi kam hain.
⚠️ Risk & Cost Analysis
risks ke maamle mein, Fund A ka riskometer moderately high hai, jabki Fund B ka low hai. volatility bhi Fund A mein zyada hai - 8.58, jabki Fund B mein 0.13 hai. Sharpe ratio ke hisab se, Fund B behtar hai - 2.69, jabki Fund A ka Sharpe ratio 0.93 hai. expense ratio ke maamle mein, Fund B behtar hai - 0.12%, jabki Fund A ka expense ratio 0.75% hai.
📊 Portfolio Diversification
portfolio diversification ke maamle mein, Fund A ka asset allocation zyada diversified hai - Equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB. top holdings concentration bhi kam hai - 4.47% ICICI Bank Ltd., 4.14% HDFC Bank Ltd., 4.09% Reliance Industries Ltd. Fund B ka asset allocation kam diversified hai - T-Bills, CD, CP, Cash.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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: 5Y/3Y returns ke hisab se, Fund A behtar hai - 15.05% 5Y return, 14.5% 3Y return, jabki Fund B ka 5Y return 6.05% hai, 3Y return 6.85% hai.
Q2: Is the higher risk fund worth it?
Answer: volatility aur Sharpe ratio ke hisab se, higher risk fund, Fund A, worth it nahi hai, kyunki Sharpe ratio kam hai - 0.93, aur volatility zyada hai - 8.58.
Q3: Which fund is more cost‑effective?
Answer: expense ratio ke hisab se, Fund B behtar hai - 0.12%, jabki Fund A ka expense ratio 0.75% hai. exit load ke baare mein koi jaankari nahi 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