HDFC Balanced Advantage Fund vs PPFAS 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 mutual funds ko compare kiya hai - HDFC Balanced Advantage Fund aur PPFAS Mutual Fund Liquid Fund. dono funds alag categories mein aate hain, ek hybrid hai aur doosra liquid fund hai. is article mein hum aapko bataenge ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BPPFAS Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.41 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) | Rajeev Thakkar (3.5 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%) | 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% | 249% |
🤖 AI Verdict – Which is Better?
haan, humne dono funds ko compare kiya hai aur pata chala ki HDFC Balanced Advantage Fund 3Y return mein 14.5% ka return diya hai, jo PPFAS Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi zyada hai, moderately high riskometer ke saath. expense ratio bhi 0.75% hai, jo zyada hai. lekin, overall hum kehte hain ki HDFC Balanced Advantage Fund long-term wealth creation ke liye behtar 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
chaliye, dekhte hain ki kaunsa fund monthly SIP ke liye behtar hai. humne pata chala ki HDFC Balanced Advantage Fund ki consistency aur return stability zyada hai, isliye yeh fund 10+ years ke liye SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
sach ye hai ki risk aur cost analysis bahut zaroori hai. humne pata chala ki PPFAS Mutual Fund Liquid Fund ka riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.58 hai. HDFC Balanced Advantage Fund ka riskometer moderately high hai, volatility 8.58 hai, aur Sharpe ratio 0.93 hai. isliye, hum kehte hain ki PPFAS Mutual Fund Liquid Fund risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
dekho, portfolio diversification bahut zaroori hai. humne pata chala ki HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB mein invest kiya gaya hai. top holdings concentration bhi zyada hai, ICICI Bank Ltd., HDFC Bank Ltd., Reliance Industries Ltd. mein invest kiya gaya hai. lekin, PPFAS Mutual Fund Liquid Fund ka asset allocation zyada liquid hai, T-Bills, CD, CP, Cash mein invest kiya gaya hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
PPFAS 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 5Y return mein 15.05% ka return diya hai, jo PPFAS Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Balanced Advantage Fund ka higher risk worth it hai, kyunki uska Sharpe ratio 0.93 hai, jo moderate hai, lekin volatility 8.58 hai, jo zyada hai.
Q3: Which fund is more cost‑effective?
PPFAS Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se kam hai, isliye yeh fund more 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