HDFC Balanced Advantage Fund vs SBI Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
14.5%
3Y Return
6.89%
dekho, aapko do funds ki comparison karni hai, ek Hybrid aur ek Liquid, jo ki HDFC Balanced Advantage Fund aur SBI Liquid Fund hain, chaliye jaante hain ki kaunsa fund aapke liye better hai, aur aapko kya expect karna chahiye.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BSBI Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Hybrid | Liquid |
| NAV (₹) | 551.96 | 4351.16 |
| AUM (₹ Cr) | 10.54 Lac Cr | 7.12 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.12 |
| Sharpe Ratio | 0.93 | 3.25 |
| 1 Year Return (%) | -1.45% | 6.15% |
| 3 Year Return (%) | 14.5% | 6.89% |
| 5 Year Return (%) | 15.05% | 6.09% |
| Since Launch (%) | 13.14% | 6.79% |
| 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) | Ruchit Mehta; Ardhendu Bhattacharya (3.2 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% | 260% |
🤖 AI Verdict – Which is Better?
Haan, agar aap long-term wealth creation ki baat karte hain, to HDFC Balanced Advantage Fund behtar hai, kyunki uska 3Y return 14.5% hai, jo ki SBI Liquid Fund se zyada hai, lekin risk bhi moderately high hai, isliye aapko apni risk-taking capacity dekhni hogi.
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 SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
📈 SIP Suitability
sach ye hai, SBI Liquid Fund ki consistency aur return stability behtar hai, lekin HDFC Balanced Advantage Fund bhi aapke liye better ho sakta hai agar aap 10+ years ke liye monthly SIP karna chahte hain, kyunki uska long-term return behtar hai.
⚠️ Risk & Cost Analysis
dekho, riskometer aur volatility ki baat karte hain, to SBI Liquid Fund ki risk low hai, aur volatility bhi kam hai, lekin Sharpe ratio ki baat karte hain, to HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki SBI Liquid Fund se kam hai, isliye SBI Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
chaliye, asset allocation ki baat karte hain, to HDFC Balanced Advantage Fund ki asset allocation zyada diversified hai, kyunki usmein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, aur bonds shamil hain, lekin top holdings concentration ki baat karte hain, to SBI Liquid Fund ki top holdings zyada concentrated hain, kyunki usmein sirf 3 holdings hain.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
SBI Liquid Fund
₹865144.00
@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 ka 5Y return 15.05% hai, jo ki SBI Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo ki moderate hai, lekin volatility 8.58 hai, jo ki zyada hai, isliye aapko apni risk-taking capacity dekhni hogi.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Balanced Advantage Fund se kam hai, isliye SBI 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