HDFC Liquid Fund vs Axis ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
11.66%
Chaliye dekho, aaj hum do funds ke beech ka comparison karenge - HDFC Liquid Fund aur Axis ELSS Tax Saver Fund. Ye dono funds alag-alag category mein hain. HDFC Liquid Fund Liquid category mein hai, jabki Axis ELSS Tax Saver Fund ELSS category mein hai. Ye dono funds aapke long-term wealth creation ke liye kya offer karte hain, iske baare mein humne is article mein jankari di hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAxis ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Axis Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 5466.12 | 104.77 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.16 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.66% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.4 |
| Sharpe Ratio | 3 | 0.39 |
| 1 Year Return (%) | 6.08% | -2.52% |
| 3 Year Return (%) | 6.83% | 11.66% |
| 5 Year Return (%) | 6.01% | 8.43% |
| Since Launch (%) | 34.46% | 15.62% |
| 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) | Ashish Naik; Shreyash Devalkar (2.8 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | ICICI Bank Ltd. (7.04%), HDFC Bank Ltd. (5.64%), Bharti Airtel Ltd. (4.32%) |
| 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: 97.56% |
| Portfolio Turnover | 203% | 14% |
🤖 AI Verdict – Which is Better?
Haan, aaj humne dekha hai ki Axis ELSS Tax Saver Fund 3Y return mein bahut accha perform kiya hai, lekin expense ratio bahut high hai. HDFC Liquid Fund ke 3Y return bhi acche hain aur expense ratio low hai. Riskometer bhi low hai. To, hum dekha hai ki HDFC Liquid Fund long-term wealth creation ke liye better 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 Axis ELSS Tax Saver Fund?
- Expense ratio: 1.66%
- 3Y return: 11.66%
- AUM: 3.16 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Sach ye hai, SIP ke liye HDFC Liquid Fund better option hai. Is fund ka 3Y return stable hai aur expense ratio low hai. Axis ELSS Tax Saver Fund ka 3Y return accha hai, lekin expense ratio high hai. SIP ke liye stability aur return stability dono zaroori hain, isliye HDFC Liquid Fund better hai.
⚠️ Risk & Cost Analysis
Chaliye dekho, riskometer aur volatility ke hisab se hum dekha hai ki Axis ELSS Tax Saver Fund bahut high risk mein hai. Sharpe ratio bhi low hai. HDFC Liquid Fund ke riskometer low hai aur volatility bhi low hai. Expense ratio bhi low hai. To, hum dekha hai ki HDFC Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation ke hisab se hum dekha hai ki HDFC Liquid Fund 47.67% CP mein aur 31.92% CD mein invest kiya hai. Axis ELSS Tax Saver Fund 97.56% Equity mein invest kiya hai. Top holdings concentration bhi Axis ELSS Tax Saver Fund mein high hai. Sector risk bhi ismein high hai, lekin HDFC Liquid Fund mein sector risk low hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Axis ELSS Tax Saver Fund
₹1138461.04
@11.7% 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?
Humne dekha hai ki HDFC Liquid Fund ka 5Y return 6.01% hai, jiska 3Y return 6.83% hai. Axis ELSS Tax Saver Fund ka 5Y return 8.43% hai, jiska 3Y return 11.66% hai, lekin expense ratio high hai.
Q2: Is the higher risk fund worth it?
Axis ELSS Tax Saver Fund ka volatility 13.4 hai, jiska Sharpe ratio 0.39 hai. HDFC Liquid Fund ka volatility 0.11 hai, jiska Sharpe ratio 3 hai. To, hum dekha hai ki HDFC Liquid Fund better risk-adjusted returns offer karta hai.
Q3: Which fund is more cost-effective?
Humne dekha hai ki HDFC Liquid Fund ka expense ratio 0.2% hai, jiska Axis ELSS Tax Saver Fund ka expense ratio 1.66% hai. To, hum dekha hai ki HDFC Liquid Fund better 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