HDFC Liquid Fund vs Angel One Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.7%
Dekho, aap donon funds ki categories mein kya farq hai? Fund A HDFC Liquid Fund hai, jo Liquid category mein aata hai. Fund B Angel One Mutual Fund Large Cap Fund hai, jo Large Cap category mein aata hai. Aaj humein yeh batana hai ki long-term wealth creation ke liye sabse achha fund kaun hai?
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.58 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.57 |
| Sharpe Ratio | 3 | 0.71 |
| 1 Year Return (%) | 6.08% | -4.02% |
| 3 Year Return (%) | 6.83% | 14.7% |
| 5 Year Return (%) | 6.01% | 12.03% |
| Since Launch (%) | 34.46% | 11.65% |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 19% |
🤖 AI Verdict – Which is Better?
Humein yeh pata chala ki Fund A ka 3y return 6.83% hai, jo Fund B se 0.07% adhik hai. Expense ratio ke liye, Fund A mein 0.2% hai, jabki Fund B mein 0.52% hai. Riskometer ke liye, Fund A Low hai, jabki Fund B Very High hai. Haan, Fund A long-term wealth creation ke liye sabse achha fund dikh raha 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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.58 Lac Cr
- Sharpe Ratio: 0.71
📈 SIP Suitability
SIP ke liye Fund A ki consistency aur return stability ka matlab hai ki yeh fund aapke paiso ko 10+ saal tak secure rakhne mein madad karega. Fund B ki volatility aur sharpe ratio Fund A ki compare mein kam aati hai, jisse yeh fund aapke paiso ko risk mein daal sakta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, sharpe ratio aur expense ratio ke like, humein pata chala ki Fund A mein riskometer Low hai, jabki Fund B mein Very High hai. Volatility ke liye, Fund A mein 0.11 hai, jabki Fund B mein 11.57 hai. Sharpe ratio ke liye, Fund A mein 3 hai, jabki Fund B mein 0.71 hai. Expense ratio ke liye, Fund A mein 0.2% hai, jabki Fund B mein 0.52% hai. Haan, Fund A mein risk-adjusted returns better hain.
📊 Portfolio Diversification
Fund A mein asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt aur SDL mein 47.67%, 31.92%, 19.85%, 2.05%, 0.13%, 0.06% aur 0.04% hai. Fund B mein asset allocation equity aur T-Bills mein 96.00% aur 4.00% hai. Top holdings mein, Fund A mein RBI ki holding 5.23%, 4.44% aur 3.79% hai, jabki Fund B mein HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. ki holding 8.5%, 7.8% aur 6.9% hai. Haan, Fund A mein asset allocation aur top holdings ki diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Angel One Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Sach ye hai, Fund A ka 5y return 6.01% hai, jo Fund B ka 5y return 12.03% se adhik hai. Lekin, 3y return ke liye Fund A ka 6.83% Fund B ka 14.7% se kam hai. Isliye, long run mein Fund B achha return de sakta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki higher risk ki wajah se, volatility aur sharpe ratio mein kam aati hai. Lekin, yeh fund aapke paiso ko 10+ saal tak secure nahi rakh sakta hai. Isliye, yeh fund sirf aapke jeevan ke ant mein nahi, balki aapke jeevan ke shuruat mein bhi aapke paiso ko risk mein daal sakta hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 0.52% se kam hai. Isliye, Fund A aapke paiso ko cost-effective tarike se invest karne mein madad karega.
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