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 mutual funds compare karne ja rahe hain - HDFC Balanced Advantage Fund aur HSBC Mutual Fund Liquid Fund. ek hybrid fund hai, aur doosra liquid fund hai. hum yahaan long-term wealth creation ke liye in dono funds ke beech comparison karenge, aur aapko bataayenge ki kaunsa fund aapke liye behtar hai.
| 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 HDFC Balanced Advantage Fund behtar hai, kyunki uska 3Y return 14.5% hai, jo HSBC Mutual Fund Liquid Fund ke 6.93% se zyada hai. lekin, expense ratio thoda zyada hai, 0.75% ki jagah 0.13%. risk bhi moderately high hai, lekin Sharpe ratio 0.93 hai, jo behtar 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
chaliye, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, toh HDFC Balanced Advantage Fund behtar hai, kyunki uska return consistency aur stability zyada hai. HSBC Mutual Fund Liquid Fund ka return thoda stable hai, lekin zyada nahi.
⚠️ Risk & Cost Analysis
sach ye hai ki HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai, jo HSBC Mutual Fund Liquid Fund ke 0.11 se zyada hai. lekin, Sharpe ratio 0.93 hai, jo behtar hai. expense ratio bhi zyada hai, 0.75% ki jagah 0.13%.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, equity, GOI Sec, Debenture, NCD, aur debt mein invest kiya hai. top holdings bhi zyada concentrated nahi hain, ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. mein invest kiya hai. HSBC Mutual Fund Liquid Fund ka asset allocation zyada liquid hai, T-Bills, CD, CP, aur cash mein invest kiya hai.
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 HSBC Mutual Fund Liquid Fund ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo behtar hai, lekin volatility 8.58 hai, jo HSBC Mutual Fund Liquid Fund ke 0.11 se zyada hai.
Q3: Which fund is more cost‑effective?
HSBC Mutual Fund Liquid Fund ka expense ratio 0.13% hai, jo HDFC Balanced Advantage Fund ke 0.75% 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