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, hum do mutual funds compare kar rahe hain - HDFC Balanced Advantage Fund aur Old Bridge Mutual Fund Liquid Fund. Ye dono alag categories ke hain, ek hybrid hai aur 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 | 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?
Haan, HDFC Balanced Advantage Fund long-term wealth creation ke liye better hai kyunki uska 3Y return 14.5% hai, jo Old Bridge Mutual Fund Liquid Fund se zyada hai. Expense ratio bhi thoda high hai, lekin risk-adjusted returns ke liye ye fund 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 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
SIP ke liye, HDFC Balanced Advantage Fund better hai kyunki uska 3Y return consistent hai aur long-term mein ye fund stable returns dega. Old Bridge Mutual Fund Liquid Fund bhi stable hai, lekin uska return thoda kam hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Old Bridge Mutual Fund Liquid Fund ka risk low hai, lekin HDFC Balanced Advantage Fund ka risk moderately high hai. Volatility bhi zyada hai, lekin Sharpe ratio 0.93 hai, jo decent hai. Expense ratio HDFC Balanced Advantage Fund mein 0.75% hai, jo Old Bridge Mutual Fund Liquid Fund se zyada hai.
📊 Portfolio Diversification
Asset allocation ke maamle mein, HDFC Balanced Advantage Fund mein equity allocation 69.75% hai, jo diversified hai. Top holdings mein bhi ICICI Bank, HDFC Bank, aur Reliance Industries shamil hain. Old Bridge Mutual Fund Liquid Fund mein T-Bills, CD, aur CP shamil hain, jo liquid assets hain.
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?
HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo Old Bridge 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 decent hai aur risk-adjusted returns ke liye ye fund better hai.
Q3: Which fund is more cost‑effective?
Old Bridge Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund 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