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%
dekho, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur Angel One Mutual Fund Liquid Fund. Dono ki categories alag hain, ek hybrid hai aur dusra liquid fund hai. Chaliye, aapko yeh samjhaate hain ki inmein se kaunsa fund aapke liye better hai.
| 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?
Haan, long-term wealth creation ke liye HDFC Balanced Advantage Fund better hai. Iska 3Y return 14.5% hai, jo Angel One Mutual Fund Liquid Fund se zyada hai. Lekin, iska riskometer Moderately High hai, lekin expense ratio 0.75% hai, jo reasonable 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
dekho, agar aap 10+ saal ke liye monthly SIP karna chahte hain, to HDFC Balanced Advantage Fund better hai. Iska consistency aur return stability zyada hai, kyunki iska 3Y return 14.5% hai aur 5Y return 15.05% hai.
⚠️ Risk & Cost Analysis
sach ye hai, Angel One Mutual Fund Liquid Fund ka riskometer Low hai, aur volatility 0.11 hai, jo HDFC Balanced Advantage Fund se kam hai. Lekin, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo Angel One Mutual Fund Liquid Fund ke 2.36 se kam hai.
📊 Portfolio Diversification
chaliye, portfolio diversification ke maamle mein dekhte hain. HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, kyunki ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur anya assets hain. Lekin, top holdings concentration zyada hai, kyunki top 3 holdings 12.7% hain.
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 5Y return 5.95% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka higher risk worth hai, kyunki iska Sharpe ratio 0.93 hai, jo reasonable hai, aur iska 3Y return 14.5% 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 yeh 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