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, humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur DSP Mutual Fund Liquid Fund. Inme se ek hybrid category ka hai aur doosra liquid fund category ka. Aage chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye accha hai aur kyun.
| 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, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo DSP Mutual Fund Liquid Fund ke 6.77% se zyada hai. Iske alawa, HDFC fund ka expense ratio 0.75% hai, jo thoda high hai, lekin risk-adjusted returns ke liye yeh fund behtar 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 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 ka consistency aur return stability DSP Mutual Fund Liquid Fund se zyada hai. Isliye, yeh fund 10+ years ke liye monthly SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Dekho, HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Lekin, Sharpe ratio 0.93 hai, jo behtar risk-adjusted returns ko darshata hai. DSP Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo kam hai, lekin overall risk-adjusted returns HDFC fund ke zyada hai.
📊 Portfolio Diversification
Chaliye, hum dekhenge ki kaunsa fund more diversified hai. HDFC Balanced Advantage Fund ka asset allocation diversified hai, aur top holdings concentration bhi kam hai. Isme 69.75% equity, 7.48% GOI Sec, aur 6.09% debenture hai. DSP Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, lekin thoda limited hai.
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 ke 5.92% se zyada hai. Isliye, HDFC fund long-term wealth creation ke liye behtar hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka higher risk worth it hai, kyunki Sharpe ratio 0.93 hai, jo behtar risk-adjusted returns ko darshata hai.
Q3: Which fund is more cost‑effective?
DSP Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai. Isliye, DSP 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