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 ki comparison ki hai, ek Hybrid aur ek Liquid Fund. Fund A, HDFC Balanced Advantage Fund, aur Fund B, Navi Mutual Fund Liquid Fund. Chaliye, dekhte hai ki kaunsa fund aapke liye best hai, jo aapko long-term wealth creation mein madad karega.
| 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, agar hum 3Y return, expense ratio, aur risk ko dekhein, to Fund A, HDFC Balanced Advantage Fund, long-term wealth creation ke liye behtar hai. Iska 3Y return 14.5% hai, jo Fund B se zyada hai, aur expense ratio 0.75% hai, jo moderate hai. Lekin, risk bhi moderately high hai, isliye investors ko apne risk appetite ke hisab se decision lena chahiye.
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 ki, agar aap 10+ years ke liye monthly SIP karne ki soch rahe hain, to Fund A, HDFC Balanced Advantage Fund, behtar hai. Iska 3Y return consistency aur stability better hai, jo long-term growth ke liye zaroori hai.
⚠️ Risk & Cost Analysis
Dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ki comparison mein, Fund B, Navi Mutual Fund Liquid Fund, behtar risk-adjusted returns offer karta hai. Iska riskometer low hai, volatility 0.13 hai, jo bahut kam hai, aur Sharpe ratio 3.31 hai, jo bahut accha hai.
📊 Portfolio Diversification
Chaliye, portfolio diversification ki baat karte hain, to Fund A, HDFC Balanced Advantage Fund, ka asset allocation zyada diversified hai. Ismein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur Bonds/Deb mein investment hai. Lekin, top holdings concentration bhi zyada hai, jo sector risk ko badha sakti 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?
Fund A, HDFC Balanced Advantage Fund, ka 5Y return 15.05% hai, jo Fund B, Navi Mutual Fund Liquid Fund, ke 5Y return 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, agar aapka risk appetite high hai, to higher risk fund, Fund A, HDFC Balanced Advantage Fund, worth ho sakta hai, kyunki iska Sharpe ratio 0.93 hai, jo moderate hai, aur volatility 8.58 hai, jo moderately high hai.
Q3: Which fund is more cost‑effective?
Fund B, Navi Mutual Fund Liquid Fund, ka expense ratio 0.12% hai, jo Fund A, HDFC Balanced Advantage Fund, ke 0.75% se kam hai. Lekin, exit load ki information N/A 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