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, Fund A, HDFC Balanced Advantage Fund, is a hybrid fund, aur Fund B, PPFAS Mutual Fund Liquid Fund, is a liquid fund. Chaliye, compare karte hain in dono funds ki performance, risk, aur expense ratio, taaki aapko pata chale ki kaunsa fund aapke long-term wealth creation ke liye better hai. Haan, is comparison mein humein pata chalega ki kaunsa fund aapke investment goals ke liye suitable 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?
Sach ye hai, Fund A ka 3Y return 14.5% hai, jo Fund B ke 6.93% se zyada hai. Lekin, Fund A ka riskometer Moderately High hai, aur expense ratio 0.75% hai. Chaliye, isse hum kehte hain ki Fund A long-term wealth creation ke liye better 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 PPFAS Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.41 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Dekho, agar aap monthly SIP ke liye fund search kar rahe hain, to Fund A ka consistency aur return stability thoda kam hai. Lekin, Fund B ka return stability zyada hai, aur consistency bhi acchi hai. Haan, isliye, Fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Chaliye, riskometer compare karte hain, Fund A ka riskometer Moderately High hai, aur Fund B ka Low hai. Volatility bhi, Fund A ka 8.58 hai, aur Fund B ka 0.12 hai. Sharpe ratio bhi, Fund A ka 0.93 hai, aur Fund B ka 3.58 hai. Isse hum kehte hain ki Fund B better risk-adjusted returns deti hai.
📊 Portfolio Diversification
Dekho, asset allocation compare karte hain, Fund A ka equity allocation 69.75% hai, aur Fund B ka T-Bills allocation 65.00% hai. Top holdings bhi, Fund A ka ICICI Bank Ltd. (4.47%) hai, aur Fund B ka State Bank of India CD (8.5%) hai. Haan, isse hum kehte hain ki Fund A thoda zyada diversified hai, lekin sector risk bhi 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?
Fund A ka 5Y return 15.05% hai, aur 3Y return 14.5% hai, jo Fund B ke 6.11% aur 6.93% se zyada hai.
Q2: Is the higher risk fund worth it?
Dekho, Fund A ka volatility 8.58 hai, aur Sharpe ratio 0.93 hai, jo Fund B ke 0.12 aur 3.58 se zyada hai. Lekin, return bhi zyada hai, isliye, higher risk fund worth it ho sakta hai.
Q3: Which fund is more cost‑effective?
Fund B ka expense ratio 0.12% hai, jo Fund A ke 0.75% se kam hai. Isliye, Fund B 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