HDFC Liquid Fund vs Axis Bluechip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
21.36%
Chaliye, aaj hum do funds ke beech comparison karne ja rahe hain. Fund A HDFC Liquid Fund hai, aur Fund B Axis Bluechip Fund. Ye dono fund alag-alag category mein hain, Liquid aur Large Cap. Dekho, aapko pata chalega ki kis fund mein long-term wealth creation ke liye better hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAxis Bluechip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Axis Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 20.09 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.45 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.32 |
| Sharpe Ratio | 3 | 1.31 |
| 1 Year Return (%) | 6.08% | 5.85% |
| 3 Year Return (%) | 6.83% | 21.36% |
| 5 Year Return (%) | 6.01% | 5.92% |
| Since Launch (%) | 34.46% | 16.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 28 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Ashish Naik; Shreyash Devalkar (7.8 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% | 16% |
🤖 AI Verdict – Which is Better?
Haan, Fund B Axis Bluechip Fund long-term wealth creation ke liye better hai. Iska 3Y return 21.36% hai, jo Fund A ki 6.83% se bahut zyada hai. Lekin expense ratio bhi bahut jyada hai, 0.52%. Fund A ki expense ratio 0.2% hai, jo bahut kam hai. Riskometer bhi bahut different hai, Fund A low risk hai, aur Fund B very high risk hai. Dekho, aapko risk kya accept karna hai, is par depend karta hai. Lekin agar aap long-term wealth creation ke liye investment karna chahte hain, toh Fund B aapke liye better hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Axis Bluechip Fund?
- Expense ratio: 0.52%
- 3Y return: 21.36%
- AUM: 3.45 Lac Cr
- Sharpe Ratio: 1.31
📈 SIP Suitability
SIP suitabilit ke liye, hum 3Y return aur consistency ka comparison karenge. Fund A ki 3Y return 6.83% hai, aur Fund B ki 21.36% hai. Lekin Fund A ka expense ratio 0.2% hai, aur Fund B ka 0.52%. Dekho, Fund A ka expense ratio Fund B se kam hai. Lekin Fund A ki return Fund B se kam hai. Chaliye, hum SIP suitabilit ke liye Fund A ka hi suggestion karenge.
⚠️ Risk & Cost Analysis
Haan, risk & cost analysis ke liye hum riskometer, volatility, Sharpe ratio, expense ratio ka comparison karenge. Fund A ka riskometer low hai, aur Fund B ka very high hai. Volatility bhi Fund B ka 11.32% hai, jo Fund A ka 0.11% se bahut zyada hai. Sharpe ratio bhi Fund B ka 1.31 hai, jo Fund A ka 3 se thoda kam hai. Expense ratio bhi Fund B ka 0.52% hai, jo Fund A ka 0.2% se bahut jyada hai. Dekho, Fund A ka risk-adjusted return Fund B se better hai.
📊 Portfolio Diversification
Portfolio diversification ke liye, hum asset allocation aur top holdings concentration ka comparison karenge. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL mein hai. Fund B ka asset allocation Equity aur T-Bills mein hai. Dekho, Fund A ka asset allocation Fund B se bahut alag hai. Lekin Fund A ka top holdings concentration bhi Fund B se kam hai. Chaliye, hum Fund A ka hi suggestion karenge.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Axis Bluechip Fund
₹2089333.11
@21.4% 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 B ki 5Y return 5.92% hai, aur 3Y return 21.36% hai. Fund A ki 5Y return 6.01% hai, aur 3Y return 6.83% hai. Dekho, Fund B ki long-term return Fund A se thoda kam hai.
Q2: Is the higher risk fund worth it?
Nahin, higher risk fund ka volatility bahut jyada hai. Fund B ka volatility 11.32% hai, jo Fund A ka 0.11% se bahut zyada hai. Sharpe ratio bhi Fund B ka 1.31 hai, jo Fund A ka 3 se thoda kam hai. Dekho, Fund A ka risk-adjusted return Fund B se better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.2% hai, jo Fund B ka 0.52% se kam hai. Dekho, Fund A 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