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, Fund A HDFC Balanced Advantage Fund ek Hybrid category ka fund hai, jabki Fund B LIC Mutual Fund Liquid Fund ek Liquid Fund hai. chaliye, dono funds ke performance, risk aur expenses ko compare karte hain, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye behtar 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, 3Y return ke hisab se, Fund A ka return 14.5% hai, jo Fund B ke 6.93% se zyada hai. lekin, risk bhi zyada hai, Moderately High riskometer ke saath. expense ratio bhi 0.75% hai, jo Fund B ke 0.12% se zyada hai. sach ye hai, long-term wealth creation ke liye Fund A 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 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, SIP ke liye dekhte hain, to Fund A ka consistency aur return stability Fund B se zyada hai. haan, 10+ years ke liye, Fund A behtar hai, kyunki uska 3Y return 14.5% hai, jo Fund B ke 6.93% se zyada hai.
⚠️ Risk & Cost Analysis
dekho, riskometer ke hisab se, Fund A ka risk Moderately High hai, jabki Fund B ka risk Low hai. volatility bhi Fund A mein 8.58 hai, jabki Fund B mein 0.12 hai. Sharpe ratio ke hisab se, Fund B ka ratio 3.58 hai, jo Fund A ke 0.93 se zyada hai. expense ratio bhi Fund B ka 0.12% hai, jo Fund A ke 0.75% se kam hai.
📊 Portfolio Diversification
haan, asset allocation ke hisab se, Fund A mein Equity ki allocation 69.75% hai, jabki Fund B mein T-Bills ki allocation 65.00% hai. top holdings ke hisab se, Fund A mein ICICI Bank Ltd. aur HDFC Bank Ltd. hain, jabki Fund B mein State Bank of India CD aur HDFC Bank CD hain. sach ye hai, Fund A ka portfolio zyada diversified 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?
haan, 5Y/3Y returns ke hisab se, Fund A ka return 15.05% aur 14.5% hai, jo Fund B ke 6.11% aur 6.93% se zyada hai.
Q2: Is the higher risk fund worth it?
dekho, volatility aur Sharpe ratio ke hisab se, Fund A ka risk Moderately High hai, lekin uska Sharpe ratio 0.93 hai, jo Fund B ke 3.58 se kam hai. sach ye hai, higher risk fund worth it hai, agar aap long-term wealth creation ke liye invest kar rahe hain.
Q3: Which fund is more cost‑effective?
haan, expense ratio ke hisab se, Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.75% se kam hai. sach ye hai, Fund B zyada 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