HDFC Balanced Advantage Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.55%
dekho, aapke paas do fund options hai - HDFC Balanced Advantage Fund aur Motilal Oswal Liquid Fund. Dono ki category alag hai, ek hybrid hai aur dusra liquid fund hai. Aage chaliye, hum dekhte hai ki kaunsa fund aapke long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Motilal Oswal |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 14.67 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 0.42 |
| 1 Year Return (%) | -1.45% | 5.84% |
| 3 Year Return (%) | 14.5% | 6.55% |
| 5 Year Return (%) | 15.05% | 5.76% |
| Since Launch (%) | 13.14% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Motilal Oswal Liquid Fund ke 6.55% se zyada hai. Lekin, riskometer bhi moderately high hai. Expense ratio bhi 0.75% hai, jo Motilal Oswal Liquid Fund ke 0.12% se zyada hai. Sach ye hai, HDFC Balanced Advantage Fund long-term wealth creation ke liye 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Chaliye, dekhte hai ki kaunsa fund SIP ke liye better hai. HDFC Balanced Advantage Fund ka return consistency accha hai, lekin Motilal Oswal Liquid Fund ka return stability zyada hai. Lekin, HDFC Balanced Advantage Fund ka return zyada hai, isliye yeh SIP ke liye better hai.
⚠️ Risk & Cost Analysis
dekho, HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Motilal Oswal Liquid Fund ka riskometer low hai, aur volatility 0.12 hai. Sharpe ratio bhi HDFC Balanced Advantage Fund ka 0.93 hai, jo Motilal Oswal Liquid Fund ke 0.42 se zyada hai. Isliye, HDFC Balanced Advantage Fund ka risk-adjusted return better hai.
📊 Portfolio Diversification
Haan, HDFC Balanced Advantage Fund ka asset allocation diversified hai, equity 69.75% hai, aur top holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries hai. Motilal Oswal Liquid Fund ka asset allocation bhi diversified hai, T-Bills 65% hai, aur top holdings mein State Bank of India, HDFC Bank, aur Reliance Industries hai. Lekin, HDFC Balanced Advantage Fund ka sector risk zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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 Motilal Oswal Liquid Fund ke 5.76% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo Motilal Oswal Liquid Fund ke 0.42 se zyada hai, isliye higher risk fund worth it hai.
Q3: Which fund is more cost‑effective?
Motilal Oswal Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai, isliye yeh 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