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%
Ek hybrid fund, HDFC Balanced Advantage Fund, aur ek liquid fund, SBI Liquid Fund, ki comparison karte hain. Dekho, kaunsa fund aapke long-term wealth creation ke liye better hai, aur kyon. Chaliye, shuru karte hain.
| 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, HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo SBI Liquid Fund ke 6.89% se zyada hai. Lekin, risk bhi moderately high hai, aur expense ratio 0.75% hai. Sach ye hai, long-term wealth creation ke liye HDFC Balanced Advantage Fund better hai, agar aap risk tolerate kar sakte hain.
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
SBI Liquid Fund ki consistency aur return stability acchi hai, lekin HDFC Balanced Advantage Fund ka long-term potential zyada hai. Agar aap 10+ years ke liye SIP karna chahte hain, to HDFC Balanced Advantage Fund better hai, kyunki uska 5Y return 15.05% hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, aur Sharpe ratio compare karte hain, to pata chalta hai ki SBI Liquid Fund ka risk low hai, lekin HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo better risk-adjusted returns deta hai. Expense ratio bhi HDFC Balanced Advantage Fund mein zyada hai, 0.75%.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration compare karte hain, to pata chalta hai ki HDFC Balanced Advantage Fund ka portfolio zyada diversified hai, kyunki usmein equity, GOI Sec, aur debenture shamil hain. SBI Liquid Fund ka portfolio liquid assets par focused hai, jaise T-Bills aur CD.
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 SBI Liquid Fund ke 6.09% se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Balanced Advantage Fund ka Sharpe ratio 0.93 hai, jo better risk-adjusted returns deta hai, lekin volatility 8.58 hai, jo moderately high hai.
Q3: Which fund is more cost‑effective?
SBI Liquid Fund ka expense ratio 0.12% hai, jo HDFC Balanced Advantage Fund ke 0.75% se kam hai, isliye SBI 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