HDFC Balanced Advantage Fund vs HSBC 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 funds compare kar rahe hain, ek Hybrid aur ek Liquid Fund, jo ki HDFC Balanced Advantage Fund aur HSBC Mutual Fund Liquid Fund hain, chaliye dekhte hain inke beech ki differences aur kya humein kis fund mein invest karna chahiye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HSBC Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.13% |
| 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) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
haan, long-term wealth creation ke liye, humein HDFC Balanced Advantage Fund better lagta hai, kyunki uska 3Y return 14.5% hai, jo ki HSBC Mutual Fund Liquid Fund se zyada hai, lekin risk bhi moderately high hai, expense ratio 0.75% 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
sach ye hai, HDFC Balanced Advantage Fund SIP ke liye better option hai, kyunki uska 3Y return aur consistency zyada hai, lekin volatility bhi zyada hai, to risk tolerance bhi zaroori hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, HSBC Mutual Fund Liquid Fund ka risk low hai, volatility bhi kam hai, Sharpe ratio bhi accha hai, aur expense ratio bhi kam hai, to risk-adjusted returns ke liye HSBC Mutual Fund Liquid Fund better hai.
📊 Portfolio Diversification
chaliye dekhte hain, HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, equity, debt, aur other securities mein, lekin top holdings concentration bhi zyada hai, ICICI Bank, HDFC Bank, aur Reliance Industries mein.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
HSBC 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 ki HSBC Mutual Fund Liquid Fund 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 hai, lekin volatility 8.58 hai, to risk tolerance zaroori hai.
Q3: Which fund is more cost‑effective?
HSBC Mutual Fund Liquid Fund ka expense ratio 0.13% hai, jo ki HDFC Balanced Advantage Fund se kam hai, N/A exit load ke bare 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