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, aapke paas do fund options hain - HDFC Balanced Advantage Fund aur Quantum Mutual Fund Liquid Fund. Dono ki category alag hai, ek Hybrid hai aur doosra Liquid Fund hai. aap yeh jaanenge ki kaunsa fund aapke long-term wealth creation ke liye behtar hai.
| 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, 3Y return, expense ratio, aur risk ke basis par dekha jaye to HDFC Balanced Advantage Fund behtar hai. Iska 3Y return 14.5% hai, jo Quantum Mutual Fund Liquid Fund se zyada hai. lekin, risk bhi moderately high hai, isliye aapko apne risk appetite ke hisaab se decision lena hoga.
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, agar aap 10+ saal ke liye monthly SIP karna chahte hain, to HDFC Balanced Advantage Fund behtar hai. Iska return consistency aur stability Quantum Mutual Fund Liquid Fund se zyada hai. sach ye hai ki HDFC Balanced Advantage Fund ka 5Y return 15.05% hai, jo zyada stable hai.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ke basis par Quantum Mutual Fund Liquid Fund ka risk low hai, lekin HDFC Balanced Advantage Fund ka risk moderately high hai. Sharpe ratio ke basis par bhi HDFC Balanced Advantage Fund behtar hai, kyunki uska Sharpe ratio 0.93 hai. expense ratio ke maamle me Quantum Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se kam hai.
📊 Portfolio Diversification
Haan, asset allocation aur top holdings concentration ke basis par HDFC Balanced Advantage Fund zyada diversified hai. Iska asset allocation equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB me divided hai. lekin, Quantum Mutual Fund Liquid Fund ka asset allocation zyada liquid instruments me hai, jaise T-Bills, CD, CP, Cash.
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, jo Quantum Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
HDFC Balanced Advantage Fund ka risk moderately high hai, lekin uska Sharpe ratio 0.93 hai, jo Quantum Mutual Fund Liquid Fund se zyada hai. isliye, higher risk fund worth it ho sakta hai, agar aapke risk appetite ke hisaab se.
Q3: Which fund is more cost‑effective?
Quantum Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund se kam hai. N/A exit load ke maamle me.
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