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, humne do alag-alag category ke funds ko compare kiya hai - HDFC Balanced Advantage Fund aur Nippon India Liquid Fund. yeh dono funds apne-apne category me sabse achhe hai, lekin kaunsa fund aapke long-term wealth creation ke liye behtar hai, yeh hum aage chale dekhege.
| 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?
chaliye, humne dono funds ko compare kiya hai, aur humne dekha hai ki HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Nippon India Liquid Fund ke 6.96% se zyada hai. lekin, risk bhi zyada hai, moderately high riskometer ke saath. haan, expense ratio bhi zyada hai, 0.75% ke saath.
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 HDFC Balanced Advantage Fund ka return zyada hai, lekin risk bhi zyada hai. Nippon India Liquid Fund ka return kam hai, lekin risk bhi kam hai. agar aap 10+ saal ke liye SIP karna chahte hai, to HDFC Balanced Advantage Fund behtar ho sakta hai, kyunki uska return zyada hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, aur Sharpe ratio ko compare karte hai, to Nippon India Liquid Fund ka risk kam hai, aur Sharpe ratio bhi zyada hai. lekin, HDFC Balanced Advantage Fund ka return zyada hai. agar hum risk-adjusted returns ko dekhe, to Nippon India Liquid Fund behtar ho sakta hai.
📊 Portfolio Diversification
chaliye, humne dono funds ke asset allocation aur top holdings ko compare kiya hai. HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, aur top holdings me bhi zyada diversification hai. Nippon India Liquid Fund ka asset allocation kam diversified hai, aur top holdings me bhi kam diversification 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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo Nippon India Liquid Fund ke 6.14% se zyada hai.
Q2: Is the higher risk fund worth it?
haan, agar aap long-term wealth creation ke liye invest kar rahe hai, to higher risk fund worth ho sakta hai, kyunki uska return zyada hai. lekin, agar aap short-term ke liye invest kar rahe hai, to Nippon India Liquid Fund behtar ho sakta hai.
Q3: Which fund is more cost‑effective?
Nippon India Liquid Fund ka expense ratio 0.2% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam 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