HDFC Balanced Advantage Fund vs Bandhan 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
6.98%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur Bandhan Mutual Fund Liquid Fund. Dono funds alag categories mein aate hain, ek hybrid hai aur doosra liquid fund. Chaliye, aage badhte hain aur dekhte hain ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Bandhan Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 39.33 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 4 |
| 1 Year Return (%) | -1.45% | 1.41% |
| 3 Year Return (%) | 14.5% | 6.98% |
| 5 Year Return (%) | 15.05% | 5.96% |
| Since Launch (%) | 13.14% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Bandhan Mutual Fund Liquid Fund ke 6.98% se zyada hai. Lekin, risk bhi zyada hai, moderately high riskometer ke saath. Expense ratio bhi 0.75% hai, jo Bandhan Mutual Fund Liquid Fund ke 0.12% se zyada hai. Sach ye hai, HDFC Balanced Advantage Fund 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
dekho, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to HDFC Balanced Advantage Fund behtar hai. Iska 3Y return aur 5Y return stable hai, aur yeh long-term growth ke liye behtar hai. Bandhan Mutual Fund Liquid Fund ka return kam hai, lekin risk bhi kam hai.
⚠️ Risk & Cost Analysis
chaliye, risk aur cost ki comparison karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Bandhan Mutual Fund Liquid Fund ka riskometer low hai, aur volatility 0.12 hai. Sharpe ratio mein bhi Bandhan Mutual Fund Liquid Fund behtar hai, 4 ke saath. Expense ratio mein bhi yeh behtar hai, 0.12% ke saath.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, equity mein 69.75% aur GOI Sec mein 7.48%. Top holdings mein bhi yeh diversified hai, ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. Bandhan Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, T-Bills mein 65.00% aur CD mein 20.00%. Lekin, top holdings mein yeh zyada concentrated hai, State Bank of India CD aur HDFC Bank CD mein.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Bandhan Mutual Fund 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 Bandhan Mutual Fund Liquid Fund ke 5.96% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo moderate risk-adjusted returns ko darshata hai. Lekin, Bandhan Mutual Fund Liquid Fund ka Sharpe ratio 4 hai, jo zyada accha hai.
Q3: Which fund is more cost‑effective?
Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% 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