HDFC Balanced Advantage Fund vs DSP 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
6.77%
dekho, hum do funds ki comparison karenge - HDFC Balanced Advantage Fund aur DSP Mutual Fund Liquid Fund. dono funds alag categories mein aate hain, ek hybrid hai aur doosra liquid fund. aage chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye better hai, aur kaunsa fund SIP ke liye suitable hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | DSP Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 89.77 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 2.25 |
| 1 Year Return (%) | -1.45% | 2.95% |
| 3 Year Return (%) | 14.5% | 6.77% |
| 5 Year Return (%) | 15.05% | 5.92% |
| Since Launch (%) | 13.14% | 6.91% |
| 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) | Atul Bhole (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% | 243% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye HDFC Balanced Advantage Fund better hai, kyunki uska 3Y return 14.5% hai, jo DSP Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi moderately high hai, isliye investors ko apne risk appetite ke hisab se decision lena chahiye. expense ratio bhi thoda high hai, 0.75%.
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 DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
sach ye hai, HDFC Balanced Advantage Fund long-term SIP ke liye better hai, kyunki uska 3Y return consistency achha hai. lekin, DSP Mutual Fund Liquid Fund bhi stable returns deta hai, lekin returns thode kam hain. chaliye, hum dekhein ki aapke investment goals kya hain.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se HDFC Balanced Advantage Fund ka risk moderately high hai, aur volatility 8.58 hai. lekin, Sharpe ratio 0.93 hai, jo decent hai. DSP Mutual Fund Liquid Fund ka risk low hai, aur volatility 0.12 hai, jo bahut kam hai. expense ratio ke maamle mein, DSP Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo bahut kam hai.
📊 Portfolio Diversification
haan, HDFC Balanced Advantage Fund ka asset allocation diversified hai, aur top holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries shamil hain. DSP Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, lekin thoda limited hai, aur top holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills shamil hain.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% 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 DSP Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ke hisab se, HDFC Balanced Advantage Fund ka risk-adjusted return decent hai, lekin volatility thodi high hai.
Q3: Which fund is more cost‑effective?
DSP Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se bahut 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