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 compare kar rahe hain, Fund A aur Fund B, jo ki alag categories mein aate hain, Hybrid aur Liquid Fund. chaliye, hum dekhte hain ki in dono funds ke characteristics kya hain aur kaunsa fund aapke liye better hai.
[VERDICT]| 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, agar hum 3Y return, expense ratio, aur risk ko dekhein, to Fund A, jo ki HDFC Balanced Advantage Fund hai, better option lagta hai long-term wealth creation ke liye. lekin, riskometer Moderately High hai, isliye investors ko apne risk appetite ko dhyan mein rakhna hoga.
[SIP_SUITABILITY]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
sach ye hai, Fund A aur Fund B dono hi SIP ke liye suitable hain, lekin consistency aur return stability ko dekha jaye to Fund B, jo ki Groww Mutual Fund Liquid Fund hai, better option lagta hai. ismein volatility bahut kam hai, jo ki long-term SIP ke liye zaroori hai.
[RISK_COST]⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ko compare kiya jaye to Fund B better risk-adjusted returns offer karta hai. iska volatility 0.11 hai, jo ki bahut kam hai, aur Sharpe ratio 3.91 hai, jo ki bahut accha hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
chaliye, asset allocation aur top holdings concentration ko dekhein, to Fund A ka portfolio thoda diversified hai, kyunki ismein equity, GOI Sec, Debenture, NCD, Debt, aur anya assets hain. lekin, top 3 holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries hain, jo ki thoda concentrated hai.
[FAQ]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?
haan, Fund A ka 5Y return 15.05% hai, jo ki Fund B ke 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
sach ye hai, Fund A ka riskometer Moderately High hai, aur volatility 8.58 hai, lekin Sharpe ratio 0.93 hai, jo ki acceptable hai. lekin, investors ko apne risk appetite ko dhyan mein rakhna hoga.
Q3: Which fund is more cost‑effective?
dekho, Fund B ka expense ratio 0.12% hai, jo ki Fund A ke 0.75% se bahut kam hai. isliye, Fund B 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