HDFC Balanced Advantage Fund vs LIC 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 mutual funds compare kiye hain - HDFC Balanced Advantage Fund aur LIC Mutual Fund Liquid Fund. Dono ki categories alag hain, ek Hybrid hai aur doosra Liquid Fund. Chaliye, dekhte hain kaunsa fund long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo LIC Mutual Fund Liquid Fund ke 6.93% se zyada hai. Expense ratio bhi thoda zyada hai, lekin risk-adjusted returns ke hisab se yeh better hai. Sach ye hai, HDFC Balanced Advantage Fund long-term wealth creation ke liye better choice 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye, dekhte hain kaunsa fund SIP ke liye better hai. HDFC Balanced Advantage Fund ka return consistency thoda kam hai, lekin long-term mein yeh better returns deta hai. LIC Mutual Fund Liquid Fund ka return stability zyada hai, lekin returns bhi kam hain. Dekho, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund better choice hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, HDFC Balanced Advantage Fund ka risk Moderately High hai, jabki LIC Mutual Fund Liquid Fund ka risk Low hai. Volatility bhi HDFC Balanced Advantage Fund mein zyada hai, lekin Sharpe ratio better hai. Expense ratio LIC Mutual Fund Liquid Fund mein kam hai, lekin HDFC Balanced Advantage Fund ka risk-adjusted return better hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, equity, debt, aur other securities mein invest kiya hai. Top holdings concentration bhi thoda kam hai. LIC Mutual Fund Liquid Fund ka asset allocation liquid instruments mein zyada hai, jaise T-Bills, CD, aur CP. Sector risk HDFC Balanced Advantage Fund mein zyada hai, lekin diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
LIC 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo LIC Mutual Fund Liquid Fund ke 6.11% se zyada hai. Isliye, HDFC Balanced Advantage Fund long-run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka risk zyada hai, lekin volatility 8.58 hai aur Sharpe ratio 0.93 hai, jo better risk-adjusted returns deta hai. Isliye, higher risk worth it hai.
Q3: Which fund is more cost‑effective?
LIC Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai. Isliye, LIC Mutual Fund Liquid Fund 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