HDFC Balanced Advantage Fund vs Kotak Mahindra 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 ko compare kiya hai, Fund A HDFC Balanced Advantage Fund aur Fund B Kotak Mahindra Liquid Fund, jo ki Hybrid aur Liquid Fund categories mein aate hain, chaliye dekhte hain inki performance aur risk profile ko, haan isse aapko pata chalega ki kaunsa fund aapke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Kotak Mahindra |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 3.91 |
| 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% | 50.63% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
lekkin, agar hum 3Y return, expense ratio, aur risk ko dekhein, to Fund A HDFC Balanced Advantage Fund long-term wealth creation ke liye better hai, kyunki uska 3Y return 14.5% hai, jo ki Fund B se zyada 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
sach ye hai ki, Fund A HDFC Balanced Advantage Fund SIP ke liye better hai, kyunki uska 3Y return consistent hai aur volatility bhi moderate hai, isliye agar aap 10+ years ke liye SIP karna chahte hain, to Fund A better option hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karne par, Fund B Kotak Mahindra Liquid Fund ka risk low hai aur Sharpe ratio bhi zyada hai, lekin expense ratio Fund A ke compare mein kam hai, isliye risk-adjusted returns ke liye Fund B better hai.
📊 Portfolio Diversification
chaliye, asset allocation aur top holdings concentration ko dekhein, to Fund A HDFC Balanced Advantage Fund ka portfolio zyada diversified hai, kyunki usmein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB jaise assets hain, lekin Fund B ka portfolio liquid assets mein zyada concentrated hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Kotak Mahindra 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?
haan, Fund A HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo ki Fund B Kotak Mahindra Liquid Fund se zyada hai, isliye long-run mein Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, Fund A ka volatility 8.58 hai aur Sharpe ratio 0.93 hai, jo ki moderately high risk ko darshata hai, lekin returns bhi zyada hain, isliye higher risk fund worth it hai agar aap long-term ke liye invest kar rahe hain.
Q3: Which fund is more cost‑effective?
sach ye hai ki, Fund B Kotak Mahindra Liquid Fund ka expense ratio 0.12% hai, jo ki Fund A HDFC Balanced Advantage Fund ke 0.75% se kam hai, isliye Fund B more cost-effective hai, lekin exit load ki information N/A 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