HDFC Balanced Advantage Fund vs ICICI Prudential 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, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur ICICI Prudential Liquid Fund. Dono ki category alag hai, ek hybrid hai aur dusra liquid. Chaliye, aapko yeh samjhaayein ki kin features ko dekhkar aap decide kar sakte hain kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BICICI Prudential Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | ICICI Prudential |
| Category | Hybrid | Liquid |
| NAV (₹) | 551.96 | 411.88 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 3.58 |
| 1 Year Return (%) | -1.45% | 6.15% |
| 3 Year Return (%) | 14.5% | 6.93% |
| 5 Year Return (%) | 15.05% | 6.11% |
| Since Launch (%) | 13.14% | 6.84% |
| 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) | Nikhil Kabra; Ritesh Lunawat (4.8 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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, long-term wealth creation ke liye, HDFC Balanced Advantage Fund behtar hai. Iska 3Y return 14.5% hai, jo ICICI Prudential Liquid Fund se zyada hai. Expense ratio bhi thoda zyada hai, lekin risk bhi moderately high hai, jo iski potential returns ko justify karta 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
sach ye hai, HDFC Balanced Advantage Fund monthly SIP ke liye behtar hai. Iska consistency aur return stability dono acche hain, aur yeh long-term mein aapke investments ko grow karne mein madad karega.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ke hisab se, ICICI Prudential Liquid Fund ka risk bahut kam hai. Lekin Sharpe ratio ke hisab se, HDFC Balanced Advantage Fund ka risk-adjusted return behtar hai. Expense ratio bhi ICICI Prudential Liquid Fund ka kam hai.
📊 Portfolio Diversification
chaliye, asset allocation ke hisab se, HDFC Balanced Advantage Fund ka portfolio zyada diversified hai. Top holdings concentration bhi kam hai, jo sector risk ko kam karta hai. ICICI Prudential Liquid Fund ka portfolio thoda limited hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
ICICI Prudential 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 ICICI Prudential 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 iska risk-adjusted return behtar dikhata hai.
Q3: Which fund is more cost‑effective?
ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund 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