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 hain - HDFC Balanced Advantage Fund aur Motilal Oswal Liquid Fund, jo ki dono alag categories mein aate hain. yeh comparison aapko batayega ki kaunsa fund aapke long-term wealth creation ke liye behtar hai. chaliye, aapko yeh details milte hain.
| 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 ki Motilal Oswal Liquid Fund ke 6.55% se zyada hai. lekin, risk bhi zyada hai, Moderately High riskometer ke saath. expense ratio bhi zyada hai, 0.75% ke saath. phir bhi, 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 Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
sach ye hai, HDFC Balanced Advantage Fund ka return stability zyada hai, lekin volatility bhi zyada hai. Motilal Oswal Liquid Fund ka return consistency accha hai, lekin returns kam hai. dekho, agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund behtar hai.
⚠️ Risk & Cost Analysis
chaliye, riskometer compare karte hain. HDFC Balanced Advantage Fund ka riskometer Moderately High hai, jabki Motilal Oswal Liquid Fund ka Low hai. volatility bhi zyada hai, 8.58 ke saath. Sharpe ratio bhi zyada hai, 0.93 ke saath. expense ratio zyada hai, 0.75% ke saath. phir bhi, HDFC Balanced Advantage Fund ka risk-adjusted return behtar hai.
📊 Portfolio Diversification
dekho, HDFC Balanced Advantage Fund ka asset allocation diversified hai, 69.75% equity ke saath. top holdings concentration bhi kam hai, ICICI Bank Ltd. (4.47%) ke saath. Motilal Oswal Liquid Fund ka asset allocation bhi diversified hai, 65.00% T-Bills ke saath. lekin, sector risk kam hai, HDFC Balanced Advantage Fund mein zyada sector risk 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 ki Motilal Oswal Liquid Fund ke 5.76% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka higher risk worth it hai, kyunki Sharpe ratio 0.93 hai, jo ki Motilal Oswal Liquid Fund ke 0.42 se zyada hai.
Q3: Which fund is more cost‑effective?
Motilal Oswal Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Balanced Advantage Fund ke 0.75% se kam hai. N/A exit load ke baare mein.
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