HDFC Balanced Advantage Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.96%
dekho, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur Canara Robeco Liquid Fund. ek hybrid fund hai aur doosra liquid fund hai. chaliye, dekhte hai ki kaunsa fund aapke investment goals ke liye best hai, aur aapko kya expect karna chahiye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Canara Robeco |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 3337.33 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 4.18 |
| 1 Year Return (%) | -1.45% | 6.22% |
| 3 Year Return (%) | 14.5% | 6.96% |
| 5 Year Return (%) | 15.05% | 6.13% |
| Since Launch (%) | 13.14% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
haan, HDFC Balanced Advantage Fund long-term wealth creation ke liye better hai, kyunki uska 3Y return 14.5% hai, jo Canara Robeco Liquid Fund se zyada hai. lekin, risk bhi moderately high hai, aur expense ratio 0.75% hai. Canara Robeco Liquid Fund ka risk low hai, lekin returns bhi kam 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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
chaliye, HDFC Balanced Advantage Fund ko 10+ years ke liye monthly SIP ke liye better mana ja sakta hai, kyunki uska 3Y return consistency acchi hai. Canara Robeco Liquid Fund ka return stability bhi accha hai, lekin returns kam hai.
⚠️ Risk & Cost Analysis
sach ye hai, Canara Robeco Liquid Fund ka riskometer low hai, aur volatility bhi kam hai. Sharpe ratio bhi accha hai, jo 4.18 hai. expense ratio bhi kam hai, jo 0.12% hai. HDFC Balanced Advantage Fund ka risk moderately high hai, aur expense ratio bhi zyada hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, aur top holdings concentration bhi kam hai. Canara Robeco Liquid Fund ka asset allocation liquid instruments mein zyada hai, aur top holdings concentration bhi zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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 Canara Robeco Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo moderate hai, aur volatility bhi 8.58 hai, jo moderately high hai.
Q3: Which fund is more cost‑effective?
Canara Robeco Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se kam hai, jo 0.75% 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