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, aapke paas do fund options hain - HDFC Balanced Advantage Fund, jo Hybrid category mein aata hai, aur Baroda BNP Paribas Liquid Fund, jo Liquid Fund category mein aata hai. Chaliye, aapko batate hain ki in dono funds mein se kaunsa aapke liye better hai, aur aap kis fund mein invest kar sakte hain.
| 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, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Baroda BNP Paribas Liquid Fund ke 6.92% se zyada hai. Lekin, risk bhi zyada hai, Moderately High riskometer ke saath. Phir bhi, long-term wealth creation ke liye HDFC Balanced Advantage Fund better hai, kyunki 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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
sach ye hai, Baroda BNP Paribas Liquid Fund ka return stability zyada hai, lekin HDFC Balanced Advantage Fund ka 3Y return zyada hai. Dekho, agar aap 10+ years ke liye monthly SIP karna chahte hain, toh HDFC Balanced Advantage Fund better hai, kyunki long-term mein returns zyada honge.
⚠️ Risk & Cost Analysis
chaliye, riskometer, volatility, Sharpe ratio, aur expense ratio compare karte hain. HDFC Balanced Advantage Fund ka riskometer Moderately High hai, volatility 8.58 hai, aur Sharpe ratio 0.93 hai. Baroda BNP Paribas Liquid Fund ka riskometer Low hai, volatility 0.11 hai, aur Sharpe ratio 3.82 hai. Dekho, Baroda BNP Paribas Liquid Fund ka risk-adjusted return better hai.
📊 Portfolio Diversification
haan, HDFC Balanced Advantage Fund ka asset allocation diversified hai, 69.75% equity, 7.48% GOI Sec, aur 6.09% Debenture. Top 3 holdings mein ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. hain. Baroda BNP Paribas Liquid Fund ka asset allocation bhi diversified hai, 65.00% T-Bills, 20.00% CD, aur 10.00% CP. Dekho, dono funds diversified hain, lekin HDFC Balanced Advantage Fund ka sector risk zyada hai.
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 higher risk worth hai, kyunki Sharpe ratio 0.93 hai, jo reasonable 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. Isliye, Baroda BNP Paribas Liquid Fund 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