HDFC Balanced Advantage Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.96%
dekho, Fund A HDFC Balanced Advantage Fund ek Hybrid fund hai, jabki Fund B Nippon India Liquid Fund ek Liquid fund hai, chaliye inki comparison karte hain, aur dekhte hain ki kaunsa fund aapke liye better hai, haan ismein humein 3Y return, expense ratio, aur risk ke bare mein bhi pata chalega.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Hybrid | Liquid |
| NAV (₹) | 551.96 | 6813.87 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.2% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 3.83 |
| 1 Year Return (%) | -1.45% | 6.21% |
| 3 Year Return (%) | 14.5% | 6.96% |
| 5 Year Return (%) | 15.05% | 6.14% |
| Since Launch (%) | 13.14% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| 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% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 27% | 260% |
🤖 AI Verdict – Which is Better?
lekint, 3Y return ke hisab se dekha jaye to Fund A HDFC Balanced Advantage Fund ka return 14.5% hai, jo ki Fund B Nippon India Liquid Fund ke 6.96% se zyada hai, aur expense ratio bhi kam hai, risk bhi moderately high hai, isliye long-term wealth creation ke liye Fund A 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
sach ye hai ki dono funds mein SIP kiya ja sakta hai, lekin consistency aur return stability ke hisab se dekha jaye to Fund B Nippon India Liquid Fund zyada stable hai, isliye 10+ years ke liye SIP ke liye Fund B better 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 zyada hai, lekin Sharpe ratio ke hisab se Fund B zyada accha hai, expense ratio ke hisab se bhi Fund B better hai, isliye risk-adjusted returns ke liye Fund B better hai.
📊 Portfolio Diversification
chaliye asset allocation dekhte hain, Fund A mein equity ka allocation 69.75% hai, jabki Fund B mein CP ka allocation 50.93% hai, top holdings ke hisab se dekha jaye to Fund A mein ICICI Bank Ltd. aur HDFC Bank Ltd. ka allocation zyada hai, isliye sector risk ke hisab se Fund A mein zyada risk hai, lekin diversification ke hisab se Fund A better hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% 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 return ke hisab se Fund A HDFC Balanced Advantage Fund ka return 15.05% hai, jo ki Fund B Nippon India Liquid Fund ke 6.14% se zyada hai, isliye long run mein Fund A better hai.
Q2: Is the higher risk fund worth it?
dekho, volatility ke hisab se Fund A ka risk zyada hai, lekin Sharpe ratio ke hisab se Fund B better hai, isliye higher risk fund worth it nahi hai, unless aapke risk appetite zyada hai.
Q3: Which fund is more cost‑effective?
sach ye hai ki Fund B Nippon India Liquid Fund ka expense ratio 0.2% hai, jo ki Fund A HDFC Balanced Advantage Fund ke 0.75% se kam hai, isliye cost-effective ke hisab se Fund B better hai, N/A exit load ke bare 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