HDFC Balanced Advantage Fund vs Groww 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
6.93%
dekho, hum do mutual funds ke baare mein baat kar rahe hain - HDFC Balanced Advantage Fund aur Groww Mutual Fund Liquid Fund. Dono alag categories mein aate hain, ek hybrid hai aur doosra liquid fund. Chaliye, hum dekhte hain ki inmein se kaunsa fund aapke liye better hai aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 3.91 |
| 1 Year Return (%) | -1.45% | 6.17% |
| 3 Year Return (%) | 14.5% | 6.93% |
| 5 Year Return (%) | 15.05% | 6.11% |
| Since Launch (%) | 13.14% | 50.63% |
| 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) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Haan, long-term wealth creation ke liye hum HDFC Balanced Advantage Fund ko better maante hain. Iska 3Y return 14.5% hai, jo Groww Mutual Fund Liquid Fund se jyada hai. Expense ratio bhi thoda high hai, lekin risk-adjusted returns ke liye yeh fund better 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 Groww Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
chaliye, monthly SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka consistency aur return stability thoda kam hai, lekin long-term mein yeh fund better returns de sakta hai. Isliye, yeh fund 10+ years ke SIP ke liye better hai.
⚠️ Risk & Cost Analysis
sach ye hai, Groww Mutual Fund Liquid Fund ka riskometer low hai aur volatility bhi kam hai. Lekin, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo thoda better hai. Expense ratio mein Groww Mutual Fund Liquid Fund ka 0.12% ka expense ratio HDFC Balanced Advantage Fund se kam hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur bonds mein invest kiya gaya hai. Top holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries shamil hain. Groww Mutual Fund Liquid Fund ka portfolio thoda limited hai, T-Bills, CD, CP, aur cash mein invest kiya gaya hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@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 Groww Mutual Fund Liquid Fund se jyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo thoda better hai, lekin volatility 8.58 hai, jo Groww Mutual Fund Liquid Fund se jyada hai.
Q3: Which fund is more cost‑effective?
Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se kam hai, N/A exit load ke baare mein.
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