HDFC Liquid Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.85%
Aaj hum do Liquid Funds ka comparison kar rahe hain, HDFC Liquid Fund aur Aditya Birla Sun Life Liquid Fund. Ye dono funds khaas kar short-term investments ke liye upyukt hain. Is article mein hum in dono funds ke beech comparison karenge, taaki aapko pata chale ki kis fund mein invest karna hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Aditya Birla Sun Life |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 443.77 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 3 | 2.69 |
| 1 Year Return (%) | 6.08% | 6.09% |
| 3 Year Return (%) | 6.83% | 6.85% |
| 5 Year Return (%) | 6.01% | 6.05% |
| Since Launch (%) | 34.46% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 2 April 2006 |
| 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 Liquid Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 203% | 279% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, 3Y return, expense ratio, aur risk ka mukhya dhyan rakhna hai. Chaliye dekhte hain, HDFC Liquid Fund aur Aditya Birla Sun Life Liquid Fund mein se kaun better hai.
HDFC Liquid Fund ka 3Y return 6.83% hai, jiska expense ratio 0.2% hai, jiska riskometer Low hai. Aditya Birla Sun Life Liquid Fund ka 3Y return 6.85% hai, jiska expense ratio 0.12% hai, jiska riskometer bhi Low hai.
Haan, yeh dono funds ek jaisa hain, lekin Aditya Birla Sun Life Liquid Fund ka expense ratio thoda kam hai. Isliye, Aditya Birla Sun Life Liquid Fund better hai long-term wealth creation ke liye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
Aap monthly SIP ke liye kisi fund mein invest karna chahte hain, to aapko consistency aur return stability ka dhyan rakhna hai. Chaliye dekhte hain, HDFC Liquid Fund aur Aditya Birla Sun Life Liquid Fund mein se kaun better hai SIP ke liye.
HDFC Liquid Fund ka 1Y return 6.08% hai, jiska expense ratio 0.2% hai. Aditya Birla Sun Life Liquid Fund ka 1Y return 6.09% hai, jiska expense ratio 0.12% hai. Haan, Aditya Birla Sun Life Liquid Fund ka return HDFC Liquid Fund se thoda zyada hai, lekin expense ratio bhi kam hai.
Isliye, Aditya Birla Sun Life Liquid Fund better hai monthly SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karna hai. Chaliye dekhte hain, HDFC Liquid Fund aur Aditya Birla Sun Life Liquid Fund mein se kaun better hai risk-adjusted returns ke liye.
HDFC Liquid Fund ka riskometer Low hai, jiska volatility 0.11 hai, jiska Sharpe ratio 3 hai. Aditya Birla Sun Life Liquid Fund ka riskometer bhi Low hai, jiska volatility 0.13 hai, jiska Sharpe ratio 2.69 hai.
Haan, HDFC Liquid Fund ka Sharpe ratio Aditya Birla Sun Life Liquid Fund se zyada hai, lekin volatility bhi kam hai. Isliye, HDFC Liquid Fund better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karna hai. Chaliye dekhte hain, HDFC Liquid Fund aur Aditya Birla Sun Life Liquid Fund mein se kaun better hai portfolio diversification ke liye.
HDFC Liquid Fund ka 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% hai. Aditya Birla Sun Life Liquid Fund ka asset allocation T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00% hai.
Haan, HDFC Liquid Fund ka asset allocation Aditya Birla Sun Life Liquid Fund se zyada diversified hai. Isliye, HDFC Liquid Fund better hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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?
Answer: HDFC Liquid Fund ka 5Y return 6.01% hai, jiska 3Y return 6.83% hai. Aditya Birla Sun Life Liquid Fund ka 5Y return 6.05% hai, jiska 3Y return 6.85% hai. Haan, Aditya Birla Sun Life Liquid Fund ka 3Y return HDFC Liquid Fund se zyada hai, lekin 5Y return kam hai.
Q2: Is the higher risk fund worth it?
Answer: HDFC Liquid Fund ka volatility 0.11 hai, jiska Sharpe ratio 3 hai. Aditya Birla Sun Life Liquid Fund ka volatility 0.13 hai, jiska Sharpe ratio 2.69 hai. Haan, HDFC Liquid Fund ka volatility Aditya Birla Sun Life Liquid Fund se kam hai, lekin Sharpe ratio bhi zyada hai.
Q3: Which fund is more cost-effective?
Answer: Aditya Birla Sun Life Liquid Fund ka expense ratio 0.12% hai, jiska HDFC Liquid Fund ka expense ratio 0.2% hai. Haan, Aditya Birla Sun Life Liquid Fund ka expense ratio HDFC Liquid Fund se kam 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