HDFC Balanced Advantage Fund vs Quant 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
9.45%
Dekho, humne do funds compare kiye hain - HDFC Balanced Advantage Fund aur Quant Mutual Fund Liquid Fund. Ek hybrid fund hai aur doosra liquid fund hai. Chaliye, hum dekhte hain ki kaunsa fund aapke liye better hai, long-term wealth creation ke liye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Quant Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 22.09 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.13 |
| Sharpe Ratio | 0.93 | 22.69 |
| 1 Year Return (%) | -1.45% | 0.9% |
| 3 Year Return (%) | 14.5% | 9.45% |
| 5 Year Return (%) | 15.05% | 8.38% |
| Since Launch (%) | 13.14% | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 11 June 2019 |
| 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% | 267% |
🤖 AI Verdict – Which is Better?
Haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo Quant Mutual Fund Liquid Fund ke 9.45% se zyada hai. Expense ratio bhi thoda zyada hai, lekin riskometer moderately high hai. Sach ye hai, HDFC Balanced Advantage Fund long-term wealth creation ke liye 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 Quant Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
Dekho, HDFC Balanced Advantage Fund ka consistency aur return stability thoda zyada hai. Chaliye, agar aap 10+ years ke liye monthly SIP kar rahe hain, to HDFC Balanced Advantage Fund better hai. Lekin, Quant Mutual Fund Liquid Fund bhi low-risk option hai.
⚠️ Risk & Cost Analysis
Haan, HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Lekin, Sharpe ratio 0.93 hai, jo Quant Mutual Fund Liquid Fund ke 22.69 se kam hai. Expense ratio bhi thoda zyada hai, 0.75% hai. Sach ye hai, Quant Mutual Fund Liquid Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Dekho, HDFC Balanced Advantage Fund ka asset allocation thoda diversified hai, equity 69.75% hai. Top holdings concentration bhi thoda zyada hai, ICICI Bank Ltd. 4.47% hai. Lekin, Quant Mutual Fund Liquid Fund ka asset allocation thoda limited hai, T-Bills 65.00% hai. Chaliye, HDFC Balanced Advantage Fund thoda zyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% 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 Quant Mutual Fund Liquid Fund ke 8.38% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo moderately high risk ke liye thik hai. Lekin, Quant Mutual Fund Liquid Fund ka Sharpe ratio 22.69 hai, jo low risk ke liye zyada hai.
Q3: Which fund is more cost‑effective?
Quant Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai. N/A exit load, isliye Quant Mutual Fund Liquid 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