HDFC Balanced Advantage Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.76%
Ek Hybrid Fund, HDFC Balanced Advantage Fund, aur ek Liquid Fund, Angel One Mutual Fund Liquid Fund, compare karne ke liye aaye hain. Dekho, dono funds ke categories alag hain, lekin humein yeh dekhna hai ki kaunsa fund long-term wealth creation ke liye better hai, aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 2132.04 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 2.36 |
| 1 Year Return (%) | -1.45% | 6.03% |
| 3 Year Return (%) | 14.5% | 6.76% |
| 5 Year Return (%) | 15.05% | 5.95% |
| Since Launch (%) | 13.14% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Angel One Mutual Fund Liquid Fund ke 6.76% se zyada hai, lekin risk bhi moderately high hai. Haan, expense ratio bhi 0.75% hai, jo Angel One Mutual Fund Liquid Fund ke 0.12% se zyada hai. Sach ye hai ki HDFC Balanced Advantage Fund long-term wealth creation ke liye better 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 Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
Monthly SIP ke liye, HDFC Balanced Advantage Fund better hai, kyunki iska 3Y return consistency aur stability dono mein accha hai. Chaliye, Angel One Mutual Fund Liquid Fund bhi stable hai, lekin returns thode kam hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio compare karte hain, to pata chalta hai ki Angel One Mutual Fund Liquid Fund ka risk low hai, aur Sharpe ratio 2.36 hai, jo HDFC Balanced Advantage Fund ke 0.93 se zyada hai. Lekin, HDFC Balanced Advantage Fund ka expense ratio zyada hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration compare karte hain, to pata chalta hai ki HDFC Balanced Advantage Fund ka portfolio thoda diversified hai, lekin top holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hain, jo sector risk ko badhate hain. Angel One Mutual Fund Liquid Fund ka portfolio liquid instruments mein invested hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo Angel One Mutual Fund Liquid Fund ke 5.95% se zyada hai.
Q2: Is the higher risk fund worth it?
HDFC Balanced Advantage Fund ka volatility 8.58 hai, aur Sharpe ratio 0.93 hai, jo moderate risk ke hisab se thik hai, lekin Angel One Mutual Fund Liquid Fund ka volatility 0.11 hai, aur Sharpe ratio 2.36 hai.
Q3: Which fund is more cost‑effective?
Angel One Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai, isliye Angel One Mutual Fund Liquid Fund more 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