HDFC Liquid Fund vs Aditya Birla Sun Life Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.14%
Aapko Fund A aur Fund B ke beech me kaee takra ke bare me jaanakar aap apne investment ke liye better fund chun sakte hain. Fund A HDFC Liquid Fund hai, jo liquid category mein aata hai aur Fund B Aditya Birla Sun Life Large Cap Fund hai, jo large cap category mein aata hai. Aaj hum aapko Fund A aur Fund B ke beech ki comparison karne jaenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAditya Birla Sun Life Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Aditya Birla Sun Life |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 1009.42 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.90 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.61 |
| Sharpe Ratio | 3 | 0.61 |
| 1 Year Return (%) | 6.08% | 2.72% |
| 3 Year Return (%) | 6.83% | 14.14% |
| 5 Year Return (%) | 6.01% | 10.5% |
| Since Launch (%) | 34.46% | 14.49% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 203% | 29% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum Fund A ko better fund manaenge. Isse aapko 3Y return ki comparison karne se pata chalega ki yeh fund kitna achha return detaa hai. Expense ratio aur risk ke hisaab se bhi Fund A better hai. Ismein expense ratio 0.2% hai, jo Fund B ke expense ratio 0.52% se kam hai, aur riskometer bhi low hai, jo Fund B ke riskometer very high se kam hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Aditya Birla Sun Life Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.14%
- AUM: 1.90 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Monthly SIP ke liye, hum Fund A ko better fund manaenge. Ismein consistency aur return stability ki comparison karne se pata chalega ki yeh fund kitna achha hai. Fund A ka 1Y return 6.08% hai, jo Fund B ke 1Y return 2.72% se jyada hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, hum Fund A ko better fund manaenge. Fund A ka riskometer low hai, volatility 0.11 hai, Sharpe ratio 3 hai, aur expense ratio 0.2% hai. Fund B ka riskometer very high hai, volatility 12.61 hai, Sharpe ratio 0.61 hai, aur expense ratio 0.52% hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, hum Fund A ko better fund manaenge. Fund A ka asset allocation CP mein 47.67%, CD mein 31.92%, aur T-Bills mein 19.85% hai. Fund B ka asset allocation Equity mein 96.00% hai. Top holdings ke hisaab se, Fund A ka Reserve Bank of India mein 13.46% investment hai, jabki Fund B ka HDFC Bank Ltd. mein 8.5% investment hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Aditya Birla Sun Life Large Cap Fund
₹1321695.07
@14.1% 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?
Long run mein, Fund A aapko better returns detaa hai. Ismein 5Y return 6.01% hai, jo Fund B ke 5Y return 10.5% se kam hai, lekin 3Y return 6.83% hai, jo Fund B ke 3Y return 14.14% se kam hai. Isliye, Fund A aapko better returns detaa hai.
Q2: Is the higher risk fund worth it?
Haan, yadi aapko jyada return chahiye, to Fund B aapke liye achha fund ho sakta hai. Ismein volatility jyada hai, lekin Sharpe ratio bhi jyada hai, jo aapke investment ko better returns detaa hai. Lekin yadi aapko jyada risk nahin pasand hai, to Fund A aapke liye better fund ho sakta hai.
Q3: Which fund is more cost-effective?
Fund A aapke liye cost-effective hai. Ismein expense ratio 0.2% hai, jo Fund B ke expense ratio 0.52% se kam hai. Isliye, Fund A aapko jyada 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