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 alag categories ke funds ki comparison ki hai - Hybrid aur Liquid Fund. Fund A, HDFC Balanced Advantage Fund, ek Hybrid fund hai, jabki Fund B, Invesco Mutual Fund Liquid Fund, ek Liquid Fund hai. Is article mein, hum aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar 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, agar hum 3Y return, expense ratio, aur risk ko dekhein, to Fund A, HDFC Balanced Advantage Fund, long-term wealth creation ke liye behtar hai, kyunki uska 3Y return 14.5% hai, jo Fund B se zyada hai. Lekin, sach ye hai ki risk bhi moderately high hai, isliye investors ko apne risk appetite ke hisaab se decision lena chahiye.
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
Chaliye, monthly SIP ke liye dekhein, to Fund A, HDFC Balanced Advantage Fund, 10+ years ke liye behtar hai, kyunki uska 3Y return consistent hai aur volatility bhi moderate hai. Fund B, Invesco Mutual Fund Liquid Fund, ki volatility bahut kam hai, lekin returns bhi relatively low hain.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison karte hain, to pata chalta hai ki Fund B, Invesco Mutual Fund Liquid Fund, ki risk bahut kam hai, lekin Fund A, HDFC Balanced Advantage Fund, ki Sharpe ratio 0.93 hai, jo relatively behtar hai. Expense ratio ki baat karein, to Fund B ka expense ratio 0.12% hai, jo Fund A se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ki comparison karte hain, to pata chalta hai ki Fund A, HDFC Balanced Advantage Fund, ki asset allocation zyada diversified hai, kyunki usmein equity, debt, aur other securities hain. Top holdings concentration ki baat karein, to Fund A ki top 3 holdings 13% se zyada nahi hain, jabki Fund B ki top 3 holdings 22% se zyada hain.
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?
Fund A, HDFC Balanced Advantage Fund, ka 5Y return 15.05% hai, jo Fund B, Invesco Mutual Fund Liquid Fund, ke 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ki comparison karte hain, to pata chalta hai ki Fund A, HDFC Balanced Advantage Fund, ki volatility 8.58 hai, jo moderately high hai, lekin Sharpe ratio 0.93 hai, jo relatively behtar hai, isliye higher risk worth it ho sakta hai agar aap long-term wealth creation ke liye invest kar rahe hain.
Q3: Which fund is more cost‑effective?
Expense ratio ki comparison karte hain, to pata chalta hai ki Fund B, Invesco Mutual Fund Liquid Fund, ka expense ratio 0.12% hai, jo Fund A, HDFC Balanced Advantage Fund, ke 0.75% se kam hai, isliye Fund B zyada 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