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, humne do funds ki comparison ki hai, ek Hybrid aur ek Liquid Fund, dono ki apni apni categories hai, aur hum aapko bataenge ki kaunsa fund aapke liye better hai, aur kyun, chaliye shuru karte hai, haan.
| 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?
Fund A, HDFC Balanced Advantage Fund, 3Y return mein 14.5% ka return diya hai, jo ki fund B se zyada hai, lekin risk bhi moderately high hai, expense ratio 0.75% hai, jo ki thoda high hai, lekin overall long-term wealth creation ke liye yeh 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
dekho, agar aap 10+ years ke liye monthly SIP kar rahe hai, to Fund A, HDFC Balanced Advantage Fund, better option hai, kyunki isme consistency aur return stability dono hai, chaliye sochte hai.
⚠️ Risk & Cost Analysis
riskestaurant, Fund B, JM Financial Liquid Fund, low risk hai, volatility 0.12 hai, jo ki very low hai, Sharpe ratio 3.92 hai, jo ki very good hai, expense ratio 0.12% hai, jo ki very low hai, to overall risk-adjusted returns ke liye Fund B better hai.
📊 Portfolio Diversification
asset allocation ki baat karein, to Fund A, HDFC Balanced Advantage Fund, me equity 69.75% hai, GOI Sec 7.48% hai, aur kai aur assets hai, jo ki diversified hai, lekin top holdings mein ICICI Bank Ltd. aur HDFC Bank Ltd. ki concentration zyada hai, jo ki sector risk 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?
Fund A, HDFC Balanced Advantage Fund, 5Y return mein 15.05% ka return diya hai, jo ki fund B se zyada hai.
Q2: Is the higher risk fund worth it?
haan, Fund A, HDFC Balanced Advantage Fund, ka risk moderately high hai, lekin Sharpe ratio 0.93 hai, jo ki thoda low hai, lekin overall returns ke liye yeh fund worth it hai.
Q3: Which fund is more cost‑effective?
Fund B, JM Financial Liquid Fund, ka expense ratio 0.12% hai, jo ki very low hai, aur Fund A ka expense ratio 0.75% hai, to Fund B 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