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, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur Kotak Mahindra Liquid Fund. yeh dono alag categories mein aate hain, ek hybrid hai aur dusra liquid fund hai. is article mein hum aapko bataayenge ki kaunsa fund aapke long-term wealth creation ke liye behtar 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?
chaliye, hum 3Y return, expense ratio, aur risk ko dekhein. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Kotak Mahindra Liquid Fund ke 6.93% se zyada hai. lekin, risk bhi zyada hai, moderately high riskometer ke saath. expense ratio bhi zyada hai, 0.75% ki tulna mein Kotak Mahindra Liquid Fund ka 0.12% hai. haan, long-term wealth creation ke liye HDFC Balanced Advantage Fund behtar 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, dono funds SIP ke liye upyukt hain, lekin consistency aur return stability ko dekha jaaye to Kotak Mahindra Liquid Fund behtar hai. iska 1Y return 6.17% hai aur volatility bhi kam hai, 0.11. HDFC Balanced Advantage Fund ka 1Y return -1.45% hai, jo thoda chintajanak hai.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ko dekha jaaye to Kotak Mahindra Liquid Fund behtar hai, low riskometer aur 0.11 ki volatility ke saath. Sharpe ratio bhi behtar hai, 3.91 ki tulna mein HDFC Balanced Advantage Fund ka 0.93 hai. expense ratio bhi kam hai, 0.12% ki tulna mein HDFC Balanced Advantage Fund ka 0.75% hai.
📊 Portfolio Diversification
chaliye, asset allocation ko dekhein. HDFC Balanced Advantage Fund ka equity allocation 69.75% hai, jo thoda zyada hai. top holdings bhi concentrated hain, ICICI Bank Ltd., HDFC Bank Ltd., aur Reliance Industries Ltd. Kotak Mahindra Liquid Fund ka asset allocation zyada diversified hai, T-Bills, CD, CP, aur Cash mein invested 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo Kotak Mahindra Liquid Fund ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka higher risk worth it hai, kyunki uska Sharpe ratio 0.93 hai, jo thoda kam hai, lekin returns bhi zyada hain.
Q3: Which fund is more cost‑effective?
Kotak Mahindra Liquid Fund behtar hai, kyunki uska expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam 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