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%
Chaliye, dekho, humne do alag-alag category ke funds ko compare kiya hai - HDFC Balanced Advantage Fund, jo hybrid category ka hai, aur ICICI Prudential Liquid Fund, jo liquid category ka hai. Is article mein hum aapko bataayenge ki inme se kaunsa fund aapke long-term wealth creation ke liye behtar 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, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Balanced Advantage Fund long-term wealth creation ke liye behtar hai, lekin risk bhi moderately high hai. Lekin, agar aap risk le sakte hain, to yeh fund aapke liye 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 ICICI Prudential Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Dekho, dono funds mein SIP kiya ja sakta hai, lekin HDFC Balanced Advantage Fund ki consistency aur return stability thodi kam hai, isliye ICICI Prudential Liquid Fund 10+ years ke liye behtar hai.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer, volatility, aur Sharpe ratio ko dekha jaye, to ICICI Prudential Liquid Fund ka risk bahut kam hai, aur Sharpe ratio bhi accha hai. Lekin, expense ratio ki baat karein, to ICICI Prudential Liquid Fund ka expense ratio bahut kam hai, aur HDFC Balanced Advantage Fund ka thoda zyada hai.
📊 Portfolio Diversification
Chaliye, portfolio diversification ko dekhein, to HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, lekin top holdings mein ICICI Bank Ltd. aur HDFC Bank Ltd. ka concentration zyada hai. ICICI Prudential Liquid Fund ka asset allocation bhi thoda diversified hai, lekin T-Bills aur CD mein zyada investment 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 ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka risk moderately high hai, lekin Sharpe ratio 0.93 hai, jo thoda kam hai, lekin volatility 8.58 hai, jo zyada hai.
Q3: Which fund is more cost‑effective?
ICICI Prudential Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se bahut 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