HDFC Balanced Advantage Fund vs Quantum 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
6.56%
dekho, humne do funds compare kiye hain - HDFC Balanced Advantage Fund aur Quantum Mutual Fund Liquid Fund. Hum yeh dekhenge ki kaunsa fund long-term wealth creation ke liye accha hai. chaliye, in dono funds ki categories compare karte hain - Hybrid aur Liquid Fund.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Quantum Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 37.04 |
| AUM (₹ Cr) | 10.54 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 0.55 |
| 1 Year Return (%) | -1.45% | 5.71% |
| 3 Year Return (%) | 14.5% | 6.56% |
| 5 Year Return (%) | 15.05% | 5.82% |
| Since Launch (%) | 13.14% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Anil Bamboli; Arun Agarwal; Dhruv Muchhal; Gopal Agrawal; Nandita Menezes; Srinivasan Ramamurthy (3.8 years yrs) | Atul Kumar (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% | 231% |
🤖 AI Verdict – Which is Better?
haan, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki Quantum Mutual Fund Liquid Fund se zyada hai. lekin, riskometer bhi moderately high hai, jo ki Quantum Mutual Fund Liquid Fund se zyada hai. sach ye hai, HDFC Balanced Advantage Fund ka expense ratio 0.75% hai, jo ki Quantum Mutual Fund Liquid Fund se 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 Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
chaliye, SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka consistency aur return stability zyada hai, lekin volatility bhi zyada hai. Quantum Mutual Fund Liquid Fund ka return stability zyada hai, lekin returns bhi kam hai.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility compare karte hain. HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Quantum Mutual Fund Liquid Fund ka riskometer low hai, aur volatility 0.11 hai. sharpe ratio bhi compare karte hain, HDFC Balanced Advantage Fund ka 0.93 hai, aur Quantum Mutual Fund Liquid Fund ka 0.55 hai.
📊 Portfolio Diversification
haan, asset allocation aur top holdings concentration compare karte hain. HDFC Balanced Advantage Fund ka asset allocation zyada diversified hai, aur top holdings concentration bhi kam hai. Quantum Mutual Fund Liquid Fund ka asset allocation liquid instruments mein zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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, aur 3Y return 14.5% hai, jo ki Quantum Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
sharpe ratio compare karte hain, HDFC Balanced Advantage Fund ka 0.93 hai, aur Quantum Mutual Fund Liquid Fund ka 0.55 hai, isliye HDFC Balanced Advantage Fund ka risk-adjusted return zyada hai.
Q3: Which fund is more cost‑effective?
Quantum Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Balanced Advantage Fund se kam hai, isliye Quantum Mutual Fund Liquid Fund 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