HDFC Balanced Advantage Fund vs Old Bridge 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 alag-alag categories ke funds ki comparison ki hai - Hybrid aur Liquid Fund. Fund A, HDFC Balanced Advantage Fund, ek Hybrid fund hai, jabki Fund B, Old Bridge Mutual Fund Liquid Fund, ek Liquid Fund hai. hum aapko bataayenge ki inme se kaunsa fund aapke long-term wealth creation ke liye better hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Old Bridge Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.73 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 3.58 |
| 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% | 239% |
🤖 AI Verdict – Which is Better?
chaliye, hum dekhte hai ki kaunsa fund long-term wealth creation ke liye better hai. 3Y return ke hisab se, Fund A ka return 14.5% hai, jo Fund B ke 6.93% se zyada hai. lekin, risk bhi zyada hai, Moderately High riskometer ke saath. expense ratio bhi 0.75% hai, jo Fund B ke 0.12% se zyada hai. haan, Fund A ka return zyada hai, lekin risk bhi zyada 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 Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
sach ye hai ki dono funds mein SIP suitability alag-alag hai. Fund A ka 3Y return 14.5% hai, jo Fund B ke 6.93% se zyada hai. isliye, agar aap 10+ years ke liye SIP karna chahte hai, to Fund A better option ho sakta hai. lekin, consistency aur return stability ke maamle mein, Fund B zyada stable hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se, Fund B ka risk bahut kam hai, Low riskometer ke saath. volatility bhi 0.12 hai, jo Fund A ke 8.58 se kam hai. Sharpe ratio bhi 3.58 hai, jo Fund A ke 0.93 se zyada hai. isliye, Fund B better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
chaliye, hum dekhte hai ki kaunsa fund zyada diversified hai. Fund A ka asset allocation alag-alag hai, Equity: 69.75%, GOI Sec: 7.48%, Debenture: 6.09%, aur anya. top holdings concentration bhi alag-alag hai, ICICI Bank Ltd. (4.47%), HDFC Bank Ltd. (4.14%), Reliance Industries Ltd. (4.09%). Fund B ka asset allocation bhi alag-alag hai, T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, aur anya. dono funds mein sector risk hai, lekin Fund A zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Old Bridge 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?
haan, Fund A ka 5Y return 15.05% hai, jo Fund B ke 6.11% se zyada hai. isliye, Fund A long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, Fund A ka risk Moderately High hai, aur volatility 8.58 hai. lekin, Sharpe ratio 0.93 hai, jo Fund B ke 3.58 se kam hai. isliye, higher risk fund worth it hai, lekin risk-adjusted returns ke hisab se nahi.
Q3: Which fund is more cost‑effective?
sach ye hai ki Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.75% se kam hai. isliye, Fund B zyada 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