HDFC Liquid Fund vs Axis Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.98%
Yeh dono funds Liquid category ke hain lekin HDFC Liquid Fund aur Axis Liquid Fund ke beech me kya antar hai? Dekho, hum aapko is article mein yeh janchne ke liye khade hain. Yeh jankari se aapko pata chalega ki kis fund ko apne investment ke liye chunna chahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAxis Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Axis Mutual Fund |
| Category | Liquid | Liquid |
| NAV (₹) | 5466.12 | 3096.85 |
| AUM (₹ Cr) | 7.29 Lac Cr | 5.16 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.11% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 4.36 |
| 1 Year Return (%) | 6.08% | 6.25% |
| 3 Year Return (%) | 6.83% | 6.98% |
| 5 Year Return (%) | 6.01% | 6.17% |
| Since Launch (%) | 34.46% | 6.86% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Aditya Pagaria; Devang Shah; Sachin Jain (13.4 years yrs) |
| 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%) | Reserve Bank of India (3.46%), National Bank For Agriculture & Rural Development (3.37%), Reliance Jio Infocomm Ltd. (2.9%) |
| 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% | CP: 53.47% | CD: 31.44% | T-Bills: 11.86% | Debenture: 0.88% | Money Mkt: 0.39% | Bonds/NCD: 0.28% | NCD: 0.24% | Debt: 0.09% | IRS: 0.0% |
| Portfolio Turnover | 203% | 207% |
🤖 AI Verdict – Which is Better?
Haan, yeh to saaf hai ki 3Y return aur expense ratio ke hisaab se Axis Liquid Fund better fund hai. Lekin, HDFC Liquid Fund ka riskometer Low hai jisse yeh fund zyada stable hai. Toh, agar aap long-term wealth creation ke liye invest karna chahte hain, toh Axis Liquid Fund aapke liye behtar 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 Liquid Fund?
- Expense ratio: 0.11%
- 3Y return: 6.98%
- AUM: 5.16 Lac Cr
- Sharpe Ratio: 4.36
📈 SIP Suitability
SIP suitabilita ke liye hum compare karenge ki kis fund mein consistency aur return stability hai. Axis Liquid Fund ka 3Y return aur 5Y return HDFC Liquid Fund se adhik hai. Iske alawa, Axis Liquid Fund ka expense ratio bhi kam hai. Toh, SIP ke liye Axis Liquid Fund aapke liye behtar option hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke hisaab se hum compare karenge. Axis Liquid Fund ka sharpe ratio HDFC Liquid Fund se adhik hai, lekin expense ratio bahut kam hai. Toh, risk-adjusted returns ke liye Axis Liquid Fund aapke liye behtar hai.
📊 Portfolio Diversification
Asset allocation aur top holdings ke hisaab se hum portfolio diversification ka compare karenge. HDFC Liquid Fund ka asset allocation Axis Liquid Fund ke hisaab se adhik diversified hai. Iske alawa, HDFC Liquid Fund mein Reserve Bank of India ki holdings adhik hai. Toh, portfolio diversification ke liye HDFC Liquid Fund aapke liye behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Axis Liquid Fund
₹869500.53
@7.0% 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?
Axis Liquid Fund ka 5Y return HDFC Liquid Fund se adhik hai, lekin 3Y return dono fund ke aas-paas hi hai. Toh, long run me Axis Liquid Fund better fund hai.
Q2: Is the higher risk fund worth it?
Axis Liquid Fund ka volatility HDFC Liquid Fund ke hisaab se adhik hai, lekin sharpe ratio dono fund ke aas-paas hi hai. Toh, risk-adjusted returns ke liye Axis Liquid Fund aapke liye behtar hai.
Q3: Which fund is more cost-effective?
Axis Liquid Fund ka expense ratio HDFC Liquid Fund ke hisaab se kam hai, lekin exit load ki jankari nahi di gayi hai. Toh, cost-effectiveness ke hisaab se Axis Liquid Fund aapke liye behtar 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