HDFC Balanced Advantage Fund vs HDFC Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.83%
dekho, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur HDFC Liquid Fund. yeh dono alag categories mein aate hain, Hybrid aur Liquid. is article mein hum aapko bataayenge ki kaunsa fund aapke long-term wealth creation ke liye better hai, aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHDFC Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Hybrid | Liquid |
| NAV (₹) | 551.96 | 5466.12 |
| AUM (₹ Cr) | 10.54 Lac Cr | 7.29 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.2% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 3 |
| 1 Year Return (%) | -1.45% | 6.08% |
| 3 Year Return (%) | 14.5% | 6.83% |
| 5 Year Return (%) | 15.05% | 6.01% |
| Since Launch (%) | 13.14% | 34.46% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 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%) | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) |
| 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% | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% |
| Portfolio Turnover | 27% | 203% |
🤖 AI Verdict – Which is Better?
haan, agar aap long-term wealth creation ki soch rahe hain, to HDFC Balanced Advantage Fund better hai. iska 3Y return 14.5% hai, jo HDFC Liquid Fund ke 6.83% se zyada hai. lehkin, risk bhi moderately high hai, lekin expense ratio 0.75% hai, jo reasonable 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 HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
📈 SIP Suitability
chaliye, agar aap monthly SIP ke liye fund search kar rahe hain, to HDFC Balanced Advantage Fund better hai. iska 3Y return consistency aur stability aapke long-term goals ke liye suitable hai.
⚠️ Risk & Cost Analysis
sach ye hai, HDFC Liquid Fund ka riskometer low hai, aur volatility 0.11 hai, jo ki HDFC Balanced Advantage Fund ke 8.58 se bahut kam hai. lehkin, Sharpe ratio 0.93 hai, jo ki HDFC Liquid Fund ke 3 se kam hai. expense ratio bhi 0.2% hai, jo ki HDFC Balanced Advantage Fund ke 0.75% se kam hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, aur top 3 holdings concentration 4.47%, 4.14%, aur 4.09% hai. HDFC Liquid Fund ka bhi diversified hai, lekin top 3 holdings Reserve Bank of India ke paas hain, jo ki sector risk ko badhaata hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HDFC Liquid Fund
₹862254.72
@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 HDFC Liquid Fund ke 6.01% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki moderate risk-adjusted returns ko darshata hai.
Q3: Which fund is more cost‑effective?
HDFC Liquid Fund ka expense ratio 0.2% hai, jo HDFC Balanced Advantage Fund ke 0.75% se 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