HDFC Liquid Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.76%
Aapke paas do fund hain, HDFC Liquid Fund aur Angel One Mutual Fund Liquid Fund, dono category mein Liquid fund hain. Dekho, aaj hum in donon fund ka comparison karenge aur pata karenge ki kis fund mein long-term wealth creation ki sambhavna adhik hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 2132.04 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 2.36 |
| 1 Year Return (%) | 6.08% | 6.03% |
| 3 Year Return (%) | 6.83% | 6.76% |
| 5 Year Return (%) | 6.01% | 5.95% |
| Since Launch (%) | 34.46% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ka mudda hai to 3Y return, expense ratio, aur risk ka dhyan dena zaroori hai. Haan, HDFC Liquid Fund ka 3Y return 6.83% hai, jabki Angel One Mutual Fund Liquid Fund ka 3Y return 6.76% hai. Lekin expense ratio ka mudda hai, HDFC Liquid Fund ka expense ratio 0.2% hai, jabki Angel One Mutual Fund Liquid Fund ka expense ratio 0.12% hai. Sach ye hai, expense ratio kam hone par fund ki performace acchi hogi.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
Kis fund mein monthly SIP ke liye sambhavna adhik hai, uska comparison karenge. Dekho, HDFC Liquid Fund ka 1Y return 6.08% hai, jabki Angel One Mutual Fund Liquid Fund ka 1Y return 6.03% hai. Chaliye, hum in donon fund ka 5Y return dekhte hain, HDFC Liquid Fund ka 5Y return 6.01% hai, jabki Angel One Mutual Fund Liquid Fund ka 5Y return 5.95% hai. Haan, ismein bhi HDFC Liquid Fund ki consistency aur return stability adhik hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio ka comparison karenge, kisne better risk-adjusted returns diya hai. Dekho, HDFC Liquid Fund ka riskometer Low hai, jabki Angel One Mutual Fund Liquid Fund ka riskometer bhi Low hai. Lekin volatility ka mudda hai, HDFC Liquid Fund ka volatility 0.11 hai, jabki Angel One Mutual Fund Liquid Fund ka volatility bhi 0.11 hai. Haan, Sharpe ratio ka mudda hai, HDFC Liquid Fund ka Sharpe ratio 3 hai, jabki Angel One Mutual Fund Liquid Fund ka Sharpe ratio 2.36 hai. Sach ye hai, Sharpe ratio kam hone par fund ki performace acchi hogi.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karenge, kisne more diversified portfolio diya hai, kisne sector risk diya hai. Dekho, HDFC Liquid Fund ka asset allocation CP mein 47.67%, CD mein 31.92%, T-Bills mein 19.85% hai, jabki Angel One Mutual Fund Liquid Fund ka asset allocation T-Bills mein 65.00%, CD mein 20.00%, CP mein 10.00% hai. Haan, HDFC Liquid Fund ka top holdings Reserve Bank of India mein 5.23%, 4.44%, aur 3.79% hai, jabki Angel One Mutual Fund Liquid Fund ka top holdings State Bank of India CD mein 8.5%, HDFC Bank CD mein 7.2%, aur Reliance Industries T-Bills mein 6.8% hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
HDFC Liquid Fund ka 5Y return 6.01% hai, jabki Angel One Mutual Fund Liquid Fund ka 5Y return 5.95% hai. Haan, HDFC Liquid Fund ki consistency aur return stability adhik hai, isliye long-term mein HDFC Liquid Fund better returns sambhavna diya hai.
Q2: Is the higher risk fund worth it?
Haan, HDFC Liquid Fund ka Sharpe ratio 3 hai, jabki Angel One Mutual Fund Liquid Fund ka Sharpe ratio 2.36 hai. Lekin volatility ka mudda hai, HDFC Liquid Fund ka volatility 0.11 hai, jabki Angel One Mutual Fund Liquid Fund ka volatility bhi 0.11 hai. Sach ye hai, Sharpe ratio kam hone par fund ki performace acchi hogi, lekin volatility ka bhi dhyan dena zaroori hai.
Q3: Which fund is more cost-effective?
Haan, Angel One Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jabki HDFC Liquid Fund ka expense ratio 0.2% hai. Lekin cost-effectiveness ke liye expense ratio hi nahi, AUM bhi jaroori hai. Dekho, HDFC Liquid Fund ka AUM 72872.56 Cr hai, jabki Angel One Mutual Fund Liquid Fund ka AUM 46656 Cr hai. Haan, ismein bhi HDFC Liquid Fund 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