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, hum do funds ki comparison karenge - HDFC Balanced Advantage Fund aur HDFC Liquid Fund. dono alag categories mein aate hain, ek hybrid aur dusra liquid. hum yahan aapko bataayenge ki inmein se kaunsa fund aapke long-term wealth creation ke liye behtar hai, chaliye shuru karte hain.
| 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, long-term wealth creation ke liye hum HDFC Balanced Advantage Fund ko behtar maante hain. iska 3Y return 14.5% hai, jo HDFC Liquid Fund se zyada hai, lekin risk bhi moderately high hai, lekin expense ratio thodi zyada 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 HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
📈 SIP Suitability
sach ye hai, HDFC Balanced Advantage Fund SIP ke liye behtar hai, kyunki iska 3Y return aur 5Y return consistency dekhte hue accha hai, lekin risk bhi zyada hai, to aapko apne risk appetite ko dekhte hue decision lena hoga.
⚠️ Risk & Cost Analysis
dekho, HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai, jo ki zyada hai, lekin Sharpe ratio 0.93 hai, jo ki HDFC Liquid Fund ke 3 se kam hai, lekin expense ratio 0.75% hai, jo ki zyada hai, to HDFC Liquid Fund risk-adjusted returns ke maamle mein behtar hai.
📊 Portfolio Diversification
chaliye, portfolio diversification ki baat karte hain, HDFC Balanced Advantage Fund ka asset allocation diversified hai, equity mein 69.75% investment hai, aur top 3 holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries shamil hain, jo ki alag-alag sectors mein hain, lekin HDFC Liquid Fund ka asset allocation liquid instruments mein zyada hai, jaise CP, CD, aur T-Bills.
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 ki 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 HDFC Liquid Fund ke 3 se kam hai, lekin returns bhi zyada hai, to risk appetite ke hisab se decision lena hoga.
Q3: Which fund is more cost‑effective?
HDFC Liquid Fund ka expense ratio 0.2% hai, jo ki HDFC Balanced Advantage Fund ke 0.75% se kam hai, to HDFC Liquid Fund 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