HDFC Balanced Advantage Fund vs Navi 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 funds compare kiye hain - HDFC Balanced Advantage Fund aur Navi Mutual Fund Liquid Fund. Ek hybrid category ka hai, dusra liquid fund. Chaliye, hum dekhte hain ki kaunsa fund long-term wealth creation ke liye better hai aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.13 |
| Sharpe Ratio | 0.93 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Navi Mutual Fund Liquid Fund se zyada hai. Expense ratio bhi thoda zyada hai, lekin riskometer moderately high hai. Isliye, hum kehte hain ki 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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Sach ye hai, Navi Mutual Fund Liquid Fund ka return stability zyada hai, lekin HDFC Balanced Advantage Fund ka consistency bhi achha hai. Lekin, long-term SIP ke liye, hum HDFC Balanced Advantage Fund ko prefer karte hain, kyunki uska return zyada hai.
⚠️ Risk & Cost Analysis
Dekho, HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility bhi zyada hai. Lekin, Sharpe ratio 0.93 hai, jo Navi Mutual Fund Liquid Fund se kam hai. Expense ratio bhi zyada hai. Isliye, Navi Mutual Fund Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Chaliye, hum dekhte hain ki kaunsa fund more diversified hai. HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, aur top holdings concentration bhi kam hai. Isliye, hum kehte hain ki HDFC Balanced Advantage Fund more diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Navi 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 Navi Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo Navi Mutual Fund Liquid Fund se kam hai, lekin volatility zyada hai. Isliye, higher risk fund worth it hai, agar aap long-term wealth creation chahte hain.
Q3: Which fund is more cost‑effective?
Navi Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se kam hai. Isliye, Navi 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