HDFC Balanced Advantage Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.92%
dekho, aaj hum do alag-alag category ke funds ki comparison kar rahe hain - HDFC Balanced Advantage Fund aur Baroda BNP Paribas Liquid Fund. ek hybrid fund hai aur doosra liquid fund. chaliye, dekhte hain ki inme se kaun sa fund aapke long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Baroda BNP Paribas |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 3208.35 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 3.82 |
| 1 Year Return (%) | -1.45% | 6.16% |
| 3 Year Return (%) | 14.5% | 6.92% |
| 5 Year Return (%) | 15.05% | 6.14% |
| Since Launch (%) | 13.14% | 6.88% |
| 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) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
haan, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Balanced Advantage Fund behtar lagta hai. iske 3Y return 14.5% hain, jo Baroda BNP Paribas Liquid Fund ke 6.92% se zyada hain. lekin, risk bhi moderately high hai, isliye investors ko apne risk appetite ko dhyan mein rakhna hoga.
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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
dekho, dono funds ki consistency aur return stability ko dekha jaaye, to HDFC Balanced Advantage Fund behtar lagta hai. iske returns zyada stable hain aur long-term mein behtar growth potential hai. chaliye, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund behtar option hai.
⚠️ Risk & Cost Analysis
sach ye hai, risk aur cost analysis ke hisab se, Baroda BNP Paribas Liquid Fund behtar lagta hai. iska riskometer low hai, volatility 0.11 hai, aur Sharpe ratio 3.82 hai. isse pata chalta hai ki is fund mein risk-adjusted returns behtar hain. lekin, expense ratio ko bhi dekha jaaye, to HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo Baroda BNP Paribas Liquid Fund ke 0.12% se zyada hai.
📊 Portfolio Diversification
chaliye, portfolio diversification ko dekha jaaye, to HDFC Balanced Advantage Fund behtar lagta hai. iska asset allocation diversified hai, aur top holdings mein bhi zyada concentration nahi hai. ismein equity, debt, aur other assets ki allocation hai, jo risk ko kam karta hai. lekin, Baroda BNP Paribas Liquid Fund ka asset allocation zyada liquid assets mein hai, jaise ki T-Bills, CD, aur CP.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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 Baroda BNP Paribas Liquid Fund ke 6.14% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka volatility 8.58 hai, lekin Sharpe ratio 0.93 hai, jo behtar risk-adjusted returns deta hai.
Q3: Which fund is more cost‑effective?
Baroda BNP Paribas 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