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, hum yahaan do alag-alag category ke funds ki tulna kar rahe hain, ek Hybrid aur ek Liquid. humein yahaan pata chalega ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kaunsa fund aapke invest karne ke lakshyon ke liye upyukt hai, chaliye shuru karte hain.
| 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?
haan, long-term wealth creation ke liye, HDFC Balanced Advantage Fund behtar hai kyunki uska 3Y return 14.5% hai, jo Axis Liquid Fund ke 6.98% se zyada hai, lekin risk bhi zyada hai, Moderately High riskometer ke saath.
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, HDFC Balanced Advantage Fund ko 10+ saal ke liye monthly SIP ke liye behtar mana ja sakta hai kyunki uska return stability aur consistency achha hai, lekin Axis Liquid Fund bhi ek accha vikalp hai agar aapko low-risk investment chahiye.
⚠️ Risk & Cost Analysis
sach ye hai ki Axis Liquid Fund ka riskometer Low hai aur volatility bhi 0.11 hai, jo HDFC Balanced Advantage Fund ke 8.58 se kaafi kam hai, aur expense ratio bhi 0.11% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kaafi kam hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation aur top holdings concentration thoda zyada hai, lekin Axis Liquid Fund bhi diversified hai, lekin dono mein sector risk hai, isliye diversification ke liye dono funds mein investment karna chahiye.
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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo Axis Liquid Fund ke 6.17% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo Axis Liquid Fund ke 4.36 se kaafi kam hai, lekin return bhi zyada hai, isliye risk worth it hai.
Q3: Which fund is more cost‑effective?
Axis Liquid Fund ka expense ratio 0.11% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kaafi kam hai, isliye Axis Liquid Fund zyada 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