HDFC Liquid Fund vs Angel One Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
12.3%
Dekho, aaj hum do mutual funds ke beech ka comparison karne ja rahe hain – HDFC Liquid Fund aur Angel One Mutual Fund Balanced Advantage Fund. Fund A ek Liquid fund hai jiski category Liquid hai, jabki Fund B ek Balanced Hybrid fund hai. Is comparison ke madhyam se, aapko pata chalega ki kis fund ko aapke long-term investment ke liye prefer karna chahiye. Haan, yeh comparison aapko kaisa fund chunne ke liye madad karegi. Dekhiye!
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 5466.12 | 16.39 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.11 | 8.79 |
| Sharpe Ratio | 3 | 0.66 |
| 1 Year Return (%) | 6.08% | 3.08% |
| 3 Year Return (%) | 6.83% | 12.3% |
| 5 Year Return (%) | 6.01% | 7.51% |
| Since Launch (%) | 34.46% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| 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: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 203% | 127% |
🤖 AI Verdict – Which is Better?
Chaliye, aaj hum aapko batayenge ki kis fund ko aapke long-term wealth creation ke liye prefer karna chahiye. Fund B ka 3Y return 12.3% hai, jo Fund A ki 6.83% se bahut alag hai. Lekin, expense ratio bhi ek mahatvapoorn khatra hai. Fund A ka expense ratio 0.2% hai, jabki Fund B ka expense ratio 0.78% hai. Isliye, haan, hum Fund A ko aapke long-term wealth creation ke liye prefer kareng. Sach ye hai ki Fund A ki riskometer Low hai, jo Fund B ki Moderately High riskometer ke against hai. Toh, kya aapko lagta hai ki Fund A aapke liye achi option hai?
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Angel One Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
Ek monthly SIP ke madhyam se, aapko 10+ saal tak investment karna hai. Isliye, aapko us fund ka chunna hai jo aapke investment ko stable returns de sakta hai. Fund A ki 1Y return 6.08% hai, jabki Fund B ki 1Y return 3.08% hai. Isliye, Fund A aapke monthly SIP ke liye better option hai. Haan, Fund A ki consistency bhi Fund B ki comparison mein achchi hai. Toh, dekhiye, aapko kis fund ka chunna hai?
⚠️ Risk & Cost Analysis
Aapko pata hai ki riskometer aur volatility dono fund ke risk level ko darshata hain. Fund A ki riskometer Low hai, jabki Fund B ki Moderately High hai. Isliye, Fund B ki volatility 8.79 hai, jo Fund A ki 0.11 volatility ke against hai. Sharpe ratio bhi ek mahatvapoorn parameter hai, jo risk-adjusted returns ko darshata hai. Fund A ka Sharpe ratio 3 hai, jo Fund B ka Sharpe ratio 0.66 ke against hai. Isliye, Fund A ki expense ratio bhi Fund B ki comparison mein achchi hai. Toh, kya aapko lagta hai ki Fund A aapke liye better option hai?
📊 Portfolio Diversification
Aapko pata hai ki asset allocation aur top holdings concentration dono fund ke portfolio diversification ko darshata hain. Fund A ki asset allocation mein CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL shamil hain. Isliye, Fund A ka portfolio diversification Fund B ka comparison mein achcha hai. Haan, Fund B ka top holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. shamil hain. Isliye, Fund B ka sector risk Fund A ki comparison mein zyada hai. Toh, kya aapko lagta hai ki Fund A aapke liye better option hai?
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Angel One Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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?
Fund B ka 5Y return 7.51% hai, jo Fund A ka 6.01% 5Y return ke against hai. Isliye, Fund A Fund B ke 5Y return mein achcha hai.
Q2: Is the higher risk fund worth it?
Fund B ki volatility 8.79 hai, jo Fund A ki 0.11 volatility ke against hai. Sharpe ratio bhi Fund A ka 3 hai, jo Fund B ka 0.66 ke against hai. Isliye, Fund A ki risk-adjusted returns Fund B ki comparison mein achchi hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jo Fund B ka 0.78% expense ratio ke against hai. Isliye, Fund A aapke liye cost-effective option 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