HDFC Balanced Advantage Fund vs Tata 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
6.93%
dekho, hum do funds ki comparison karenge - HDFC Balanced Advantage Fund aur Tata Mutual Fund Liquid Fund. Ye dono alag categories ki funds hain, ek hybrid aur ek liquid fund. Chaliye, hum dekhenge ki kaunsa fund long-term wealth creation ke liye better hai. Haan, hum ismein unke returns, risk, aur expense ratios ko compare karenge.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Tata Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.13 |
| Sharpe Ratio | 0.93 | 3.31 |
| 1 Year Return (%) | -1.45% | 6.17% |
| 3 Year Return (%) | 14.5% | 6.93% |
| 5 Year Return (%) | 15.05% | 6.11% |
| Since Launch (%) | 13.14% | 50.63% |
| 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) | Sonam Udasi (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% | 297% |
🤖 AI Verdict – Which is Better?
sach ye hai ki HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki Tata Mutual Fund Liquid Fund se zyada hai. Lekin, risk bhi moderately high hai. Expense ratio bhi 0.75% hai, jo ki Tata Mutual Fund Liquid Fund se zyada hai. Haan, hum keh sakte hain ki HDFC Balanced Advantage Fund long-term wealth creation ke liye better hai, lekin risk bhi 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 Tata Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
chaliye, hum dekhenge ki kaunsa fund SIP ke liye better hai. Dekho, HDFC Balanced Advantage Fund ka consistency aur return stability thoda kam hai, lekin 3Y return zyada hai. Tata Mutual Fund Liquid Fund ka consistency aur return stability zyada hai, lekin returns kam hai. Haan, hum keh sakte hain ki HDFC Balanced Advantage Fund SIP ke liye better hai, agar aap long-term wealth creation chahte hain.
⚠️ Risk & Cost Analysis
dekho, HDFC Balanced Advantage Fund ka riskometer moderately high hai, aur volatility 8.58 hai. Sharpe ratio 0.93 hai, jo ki Tata Mutual Fund Liquid Fund se kam hai. Expense ratio 0.75% hai, jo ki Tata Mutual Fund Liquid Fund se zyada hai. Haan, hum keh sakte hain ki Tata Mutual Fund Liquid Fund risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
sach ye hai ki HDFC Balanced Advantage Fund ka asset allocation diversified hai, lekin top holdings concentration zyada hai. ICICI Bank Ltd. aur HDFC Bank Ltd. ki holding 4.47% aur 4.14% hai. Tata Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, lekin top holdings concentration kam hai. Haan, hum keh sakte hain ki HDFC Balanced Advantage Fund ka portfolio diversified hai, lekin sector risk bhi hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@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 Tata Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
dekho, HDFC Balanced Advantage Fund ka volatility 8.58 hai, aur Sharpe ratio 0.93 hai. Ye fund higher risk hai, lekin returns bhi zyada hai. Haan, hum keh sakte hain ki ye fund worth it hai, agar aap long-term wealth creation chahte hain.
Q3: Which fund is more cost‑effective?
Tata Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Balanced Advantage Fund se kam hai. Haan, hum keh sakte hain ki Tata 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