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%
Dekho, aapke liye do mutual fund options hain - HDFC Balanced Advantage Fund aur UTI Mutual Fund Liquid Fund. Ye dono alag categories mein aate hain, ek Hybrid aur doosra Liquid Fund. Aap is article mein jaanenge ki in dono funds ke beech kaun sa better option hai long-term wealth creation ke liye.
| 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, 3Y return ke hisab se HDFC Balanced Advantage Fund behtar hai, kyunki uska 3Y return 14.5% hai. Lekin, risk bhi moderately high hai, aur expense ratio 0.75% hai. UTI Mutual Fund Liquid Fund ka risk low hai, lekin returns bhi kam hain. Sach ye hai ki long-term wealth creation ke liye HDFC Balanced Advantage Fund behtar 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, monthly SIP ke liye dekhte hain. HDFC Balanced Advantage Fund ka 3Y return 14.5% hai, jo ki UTI Mutual Fund Liquid Fund se zyada hai. Isliye, HDFC Balanced Advantage Fund behtar hai 10+ years ke liye monthly SIP ke liye.
⚠️ Risk & Cost Analysis
Dekho, riskometer ke hisab se HDFC Balanced Advantage Fund ka risk moderately high hai, aur volatility 8.58 hai. UTI Mutual Fund Liquid Fund ka risk low hai, aur volatility 0.11 hai. Sharpe ratio ke hisab se UTI Mutual Fund Liquid Fund behtar hai, kyunki uska Sharpe ratio 3.91 hai. Expense ratio ke hisab se UTI Mutual Fund Liquid Fund behtar hai, kyunki uska expense ratio 0.12% hai.
📊 Portfolio Diversification
Haan, asset allocation ke hisab se HDFC Balanced Advantage Fund ka portfolio diversified hai, kyunki usmein equity, GOI Sec, Debenture, NCD, Debt, SDL, REITs, Bonds/NCD, CD, Bonds/Deb, Sec. Debt, InvITs, FRB, Add. Tier 1 Bond, FD, ZCB shamil hain. UTI Mutual Fund Liquid Fund ka portfolio bhi diversified hai, lekin usmein sirf T-Bills, CD, CP, Cash shamil hain.
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 se zyada hai. Isliye, HDFC Balanced Advantage Fund behtar hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Dekho, HDFC Balanced Advantage Fund ka risk moderately high hai, lekin uska Sharpe ratio 0.93 hai, jo ki UTI Mutual Fund Liquid Fund se kam hai. Isliye, higher risk fund worth it nahi hai agar aapko low risk fund chahiye.
Q3: Which fund is more cost‑effective?
UTI Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Balanced Advantage Fund se kam hai. Isliye, UTI Mutual Fund Liquid Fund behtar hai cost-effectiveness ke liye.
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