HDFC Balanced Advantage Fund vs UTI 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%
Chaliye, dekho humne do funds ki comparison ki hai - HDFC Balanced Advantage Fund aur UTI Mutual Fund Liquid Fund. Ye dono alag categories ke hain - Hybrid aur Liquid Fund. Aapko yeh jaankari milegi ki kaunsa fund long-term wealth creation ke liye achha hai, aur kyun.
| Parameter | AHDFC Balanced Advantage Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | UTI Mutual Fund |
| Category | Hybrid | Liquid Fund |
| NAV (₹) | 551.96 | 5622.79 |
| AUM (₹ Cr) | 10.54 Lac Cr | 3.63 Lac Cr |
| Expense Ratio (%) | 0.75% | 0.12% |
| Riskometer | Moderately High | Low |
| Volatility | 8.58 | 0.11 |
| Sharpe Ratio | 0.93 | 3.91 |
| 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Haan, agar hum 3Y return, expense ratio aur risk ko dekhein, to HDFC Balanced Advantage Fund long-term wealth creation ke liye behtar hai. Iska 3Y return 14.5% hai, jo ki UTI Mutual Fund Liquid Fund se zyada hai. Lekin, risk bhi moderately high hai, isliye investors ko apni risk-taking capacity ko dhyan mein rakhna chahiye.
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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Dekho, agar aap monthly SIP ke liye soch rahe hain, to HDFC Balanced Advantage Fund behtar hai. Iska 3Y return consistency aur stability ke maamle mein behtar hai. Lekin, UTI Mutual Fund Liquid Fund bhi ek accha option hai agar aapko liquid fund ki zarurat hai.
⚠️ Risk & Cost Analysis
Sach ye hai ki HDFC Balanced Advantage Fund ka riskometer moderately high hai, lekin Sharpe ratio 0.93 hai, jo ki UTI Mutual Fund Liquid Fund ke 3.91 se kam hai. Expense ratio bhi 0.75% hai, jo ki UTI Mutual Fund Liquid Fund ke 0.12% se zyada hai. Isliye, UTI Mutual Fund Liquid Fund risk-adjusted returns ke maamle mein behtar hai.
📊 Portfolio Diversification
Chaliye, dekho HDFC Balanced Advantage Fund ka asset allocation - equity, GOI sec, debenture, aur anya assets. Top 3 holdings mein ICICI Bank, HDFC Bank, aur Reliance Industries hain. UTI Mutual Fund Liquid Fund ka asset allocation bhi diversified hai, lekin T-Bills, CD, aur CP mein invest kiya hai. Dono funds mein sector risk hai, lekin HDFC Balanced Advantage Fund mein zyada hai.
SIP Calculator – Compare Growth Potential
HDFC Balanced Advantage Fund
₹1351121.42
@14.5% annual return (3Y)
UTI 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 UTI Mutual Fund Liquid Fund ke 6.11% se zyada hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ke maamle mein UTI Mutual Fund Liquid Fund behtar hai, lekin HDFC Balanced Advantage Fund ka return zyada hai. Isliye, yeh investors ki risk-taking capacity par depend karta hai.
Q3: Which fund is more cost‑effective?
UTI Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Balanced Advantage Fund ke 0.75% se kam hai. Isliye, UTI 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