HDFC Balanced Advantage Fund vs Invesco 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, humne do funds ki comparison ki hai, ek Hybrid aur ek Liquid Fund. Hum Fund A, HDFC Balanced Advantage Fund aur Fund B, Invesco Mutual Fund Liquid Fund ki details discuss karenge. Chaliye, hum dekhte hain ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Invesco Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 3819.94 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.13 |
| Sharpe Ratio | 0.93 | 3.31 |
| 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% | 6.82% |
| 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) | Amit Ganatra (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% | 269% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return, expense ratio, aur risk ko dekhte hue, hum kehte hain ki HDFC Balanced Advantage Fund long-term wealth creation ke liye better hai, kyunki uska 3Y return 14.5% hai aur expense ratio 0.75% hai. Lekin, risk bhi moderately high 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 Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Dekho, agar aap monthly SIP ke liye soch rahe hain, to HDFC Balanced Advantage Fund better hai, kyunki uska 3Y return consistent hai aur volatility bhi moderate hai. Chaliye, hum is fund ko 10+ years ke liye suitable maante hain.
⚠️ Risk & Cost Analysis
Sach ye hai, riskometer, volatility, Sharpe ratio, aur expense ratio ko dekhte hue, Invesco Mutual Fund Liquid Fund better risk-adjusted returns offer karta hai, kyunki uska riskometer low hai, volatility 0.13 hai, aur Sharpe ratio 3.31 hai. Lekin, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai.
📊 Portfolio Diversification
Dekho, asset allocation aur top holdings concentration ko dekhte hue, HDFC Balanced Advantage Fund more diversified hai, kyunki uski asset allocation mein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur bonds shaamil hain. Lekin, top holdings concentration thodi high hai, kyunki ICICI Bank Ltd. aur HDFC Bank Ltd. ka holding 4.47% aur 4.14% hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Invesco 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 Invesco Mutual Fund Liquid Fund ke 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
HDFC Balanced Advantage Fund ka volatility 8.58 hai, aur Sharpe ratio 0.93 hai, jo moderate risk-adjusted returns indicate karta hai. Lekin, Invesco Mutual Fund Liquid Fund ka Sharpe ratio 3.31 hai, jo better risk-adjusted returns indicate karta hai.
Q3: Which fund is more cost‑effective?
Invesco Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke expense ratio 0.75% se kam hai. Isliye, Invesco Mutual Fund Liquid Fund more 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