HDFC Liquid Fund vs Bandhan 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%
Aapko yahaan Fund A aur Fund B ki tulaani dikhayi gayi hai, jo ki Liquid aur Large Cap category ka hain. Is article mein hum aapko Fund A aur Fund B ki tarah tatkal ke liye sahi fund kaise chune, yeh batayenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.04 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.11 |
| Sharpe Ratio | 3 | 0.68 |
| 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) | Manish Gunwani (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, Fund B ke liye 3Y return, expense ratio aur risk ke liye fund B zyada acha hai. Lekin, Fund A ki stability aur lower riskometer ke liye yeh fund bhi ek chunauti hai. Sach ye hai, long-term mein Fund A aur Fund B dono fund achi hai, lekin long-term mein Fund B ka 3Y return Fund A ka 5Y return se bada hai. Dekho, Fund B ka expense ratio Fund A ki comparison mein bhi higher hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Bandhan Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.04 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A aur Fund B ki consistency aur return stability ke liye Fund A zyada acha hai. Fund A ki stability aur lower riskometer ke liye yeh fund achi choice hai. Lekin, Fund B ke liye aapko jaldi-mujhiliyat aur risk ke liye tayyar hona hoga. Fund A ka 3Y return Fund B ka 1Y return se bada hai.
⚠️ Risk & Cost Analysis
Fund A aur Fund B ki comparison karke, Fund A ka riskometer very low hai, lekin Fund B ka riskometer very high hai. Dekho, Fund B ka volatility Fund A ki comparison mein bhi zyada hai. Lekin, Fund B ka Sharpe ratio Fund A ki comparison mein kam hai. Fund A ka expense ratio Fund B ki comparison mein kam hai.
📊 Portfolio Diversification
Fund A aur Fund B ki asset allocation aur top holdings concentration ke liye, Fund A ka asset allocation Fund B ki comparison mein zyada diversified hai. Fund A ka CP, CD aur T-Bills ke liye asset allocation Fund B ki comparison mein zyada hai. Dekho, Fund A ka top holdings concentration Fund B ki comparison mein kam hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Bandhan 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?
Fund B ka 5Y return Fund A ka 5Y return se bada hai. Lekin, Fund A ka 3Y return Fund B ka 3Y return se kam hai.
Q2: Is the higher risk fund worth it?
Fund B ka higher risk Fund A ka lower risk ke liye aapko jaldi-mujhiliyat aur risk ke liye tayyar hona hoga. Fund B ka volatility Fund A ki comparison mein bhi zyada hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio Fund B ki comparison mein kam hai. Dekho, Fund A ka expense ratio Fund B ki expense ratio se bhi kam 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