HDFC Balanced Advantage Fund vs Axis Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.98%
dekho, Fund A aur Fund B do alag categories ke funds hain, ek Hybrid aur ek Liquid. chaliye, aage hum in dono funds ke baare mein jaanenge, unke returns, risk, aur expenses ke baare mein. haan, isse aapko pata chalega ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BAxis Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Axis Mutual Fund |
| Category | Hybrid | Liquid |
| NAV (₹) | 551.96 | 3096.85 |
| AUM (₹ Cr) | 10.54 Lac Cr | 5.16 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.11% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 4.36 |
| 1 Year Return (%) | -1.45% | 6.25% |
| 3 Year Return (%) | 14.5% | 6.98% |
| 5 Year Return (%) | 15.05% | 6.17% |
| Since Launch (%) | 13.14% | 6.86% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 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%) | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) |
| 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% | 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% |
| Portfolio Turnover | 27% | 207% |
🤖 AI Verdict – Which is Better?
lekIN, agar hum 3Y return, expense ratio, aur risk ko dekhein, to Fund A ka 3Y return 14.5% hai, jo Fund B se zyada hai. aur expense ratio bhi thodi zyada hai, lekin risk bhi moderately high hai. isliye, hum kehte hain ki Fund A long-term wealth creation ke liye 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 Axis Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
📈 SIP Suitability
chaliye, SIP ke liye dekhein, to dono funds ka consistency aur return stability alag-alag hai. Fund A ka 5Y return 15.05% hai, jo Fund B se zyada hai. isliye, hum kehte hain ki Fund A SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
sach ye hai, riskometer, volatility, Sharpe ratio, aur expense ratio ko dekha jaye, to Fund A ka riskometer moderately high hai, aur volatility 8.58 hai. lekin, Sharpe ratio 0.93 hai, jo Fund B se kam hai. isliye, hum kehte hain ki Fund B risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, asset allocation aur top holdings concentration ko dekha jaye, to Fund A ka asset allocation alag-alag hai, aur top holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hain. isliye, hum kehte hain ki Fund A thoda zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Axis Liquid Fund
₹869500.53
@7.0% 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?
haan, Fund A ka 5Y return 15.05% hai, jo Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
dekho, Fund A ka riskometer moderately high hai, aur volatility 8.58 hai, lekin Sharpe ratio 0.93 hai. isliye, hum kehte hain ki higher risk fund worth it hai.
Q3: Which fund is more cost‑effective?
lekIN, exit load N/A hai, lekin expense ratio ko dekha jaye, to Fund B ka expense ratio 0.11% hai, jo Fund A se kam 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