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 alag-alag category ke funds ki comparison ki hai - Hybrid aur Liquid Fund. Fund A, HDFC Balanced Advantage Fund, ek Hybrid fund hai, jabki Fund B, Canara Robeco Liquid Fund, ek Liquid Fund hai. Is article mein, hum aapko batayenge ki kaunsa fund long-term wealth creation ke liye behtar hai.
| 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, agar hum 3Y return, expense ratio, aur risk ko dekhein, to Fund A, HDFC Balanced Advantage Fund, long-term wealth creation ke liye behtar lagta hai. Iska 3Y return 14.5% hai, jo Fund B se zyada hai, aur iska expense ratio 0.75% hai, jo moderate 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, SIP ke liye dekhein, to Fund A, HDFC Balanced Advantage Fund, 10+ years ke liye behtar option lagta hai. Iska consistency aur return stability dono acche hain, aur yeh long-term wealth creation ke liye suitable hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer aur volatility ko dekha jaye, to Fund B, Canara Robeco Liquid Fund, kam risk wala fund hai. Lekin, Sharpe ratio ko dekha jaye, to Fund B ka Sharpe ratio 4.18 hai, jo Fund A se zyada hai, aur yeh behtar risk-adjusted returns provide karta hai.
📊 Portfolio Diversification
Dekho, asset allocation ki baat karein, to Fund A, HDFC Balanced Advantage Fund, ka asset allocation zyada diversified hai. Ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, aur anya assets hain. Top holdings concentration bhi moderate hai, jo sector risk ko kam karta 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?
Fund A, HDFC Balanced Advantage Fund, ka 5Y return 15.05% hai, jo Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund A ka Sharpe ratio 0.93 hai, jo moderate hai, aur yeh higher risk ko justify karta hai.
Q3: Which fund is more cost‑effective?
Fund B, Canara Robeco Liquid Fund, ka expense ratio 0.12% hai, jo Fund A se kam hai, aur yeh 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