HDFC Balanced Advantage Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.97%
Dekho, do fund options hain - HDFC Balanced Advantage Fund aur JM Financial Liquid Fund. Categories alag hain, ek Hybrid aur doosra Liquid Fund. Chaliye, ye jaante hain ki kaunsa fund aapke liye better hai, long-term wealth creation ke liye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | JM Financial |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 363.19 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 3.92 |
| 1 Year Return (%) | -1.45% | 6.21% |
| 3 Year Return (%) | 14.5% | 6.97% |
| 5 Year Return (%) | 15.05% | 6.16% |
| Since Launch (%) | 13.14% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, 3Y return aur expense ratio ko dekha toh HDFC Balanced Advantage Fund behtar lagta hai. Risk bhi moderate hai, lekin returns acche hain. Sharpe ratio bhi thik hai, 0.93. Isliye, long-term wealth creation ke liye HDFC Balanced Advantage Fund better 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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
SIP ke liye, consistency aur return stability zaroori hai. Dekho, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, aur volatility moderate hai. JM Financial Liquid Fund ka return thoda kam hai, 6.97%. Isliye, HDFC Balanced Advantage Fund better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio - sab dekha toh HDFC Balanced Advantage Fund ka risk moderate high hai, lekin Sharpe ratio thik hai. JM Financial Liquid Fund ka risk low hai, lekin returns bhi kam hain. Expense ratio mein, JM Financial Liquid Fund behtar hai, 0.12% ke saath. Lekin, overall risk-adjusted returns ke liye HDFC Balanced Advantage Fund better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings dekhe toh HDFC Balanced Advantage Fund thoda diversified hai. Equity, debt, aur other assets mein allocation hai. JM Financial Liquid Fund ka allocation liquid assets mein zyada hai. Top holdings mein, HDFC Balanced Advantage Fund ka concentration thoda zyada hai, 4.47% ICICI Bank Ltd. mein. Lekin, overall diversification mein HDFC Balanced Advantage Fund better hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@7.0% 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, aur 3Y return 14.5% hai. Isliye, long run mein HDFC Balanced Advantage Fund better hai.
Q2: Is the higher risk fund worth it?
Volatility 8.58 hai, lekin Sharpe ratio 0.93 hai. Isliye, higher risk worth it hai, kyunki returns bhi acche hain.
Q3: Which fund is more cost‑effective?
Expense ratio mein, JM Financial Liquid Fund behtar hai, 0.12% ke saath. Lekin, exit load N/A hai. Isliye, cost-effectiveness mein JM Financial Liquid Fund better 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