HDFC Liquid Fund vs Bandhan 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
6.98%
yeh article mein hum aapko do liquid funds ke beech comparison karne ja rahe hain – HDFC Liquid Fund aur Bandhan Mutual Fund Liquid Fund. Dekho, yeh dono funds ek hi category mein hain, lekin inke returns aur cost ka comparison karna zaroori hai. Aap jante hai ki aapke paise ka sahi investment karna bahut zaroori hai, isliye humne in do funds ko compare karke aapko bataya hai ki kis fund mein aapko invest karna chahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Bandhan Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 39.33 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 4 |
| 1 Year Return (%) | 6.08% | 1.41% |
| 3 Year Return (%) | 6.83% | 6.98% |
| 5 Year Return (%) | 6.01% | 5.96% |
| Since Launch (%) | 34.46% | 8.53% |
| 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 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% | 251% |
🤖 AI Verdict – Which is Better?
haan, yeh sach hai ki HDFC Liquid Fund ka 3Y return Bandhan Mutual Fund se thoda kam hai, lekin expense ratio me HDFC Liquid Fund kam hai. Isliye, agar aap long-term wealth creation ki baat karenge, to HDFC Liquid Fund aapke 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
sip ke liye consistency aur return stability kaafi zaroori hai. Dekho, HDFC Liquid Fund ka 1Y aur 3Y return Bandhan Mutual Fund se kam hai, lekin yeh fund 5Y return mein Bandhan Mutual Fund se thoda zyada hai. Isliye, agar aap 10+ saal tak sip karte hain, to HDFC Liquid Fund aapke liye better option hai.
⚠️ Risk & Cost Analysis
riskometer aur volatility kaafi zaroori hai. Dekho, HDFC Liquid Fund ka riskometer Bandhan Mutual Fund se kam hai, aur yeh fund ki volatility bhi kam hai. Isliye, yeh fund aapke liye better option hai. Sharpe ratio aur expense ratio bhi humein dekhne hain, aur isme bhi HDFC Liquid Fund aapke liye better hai.
📊 Portfolio Diversification
asset allocation aur top holdings concentration kaafi zaroori hai. Dekho, HDFC Liquid Fund ka asset allocation Bandhan Mutual Fund se zyada diversified hai. Isme CP, CD, T-Bills, Debenture sabhi hain. Lekin, top holdings concentration mein Bandhan Mutual Fund ka 65% T-Bills se hi hain, jisse yeh fund sector risk mein padta hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Bandhan Mutual Fund 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?
HDFC Liquid Fund ka 5Y return Bandhan Mutual Fund se thoda zyada hai, isliye yeh fund long run mein aapke liye better option hai.
Q2: Is the higher risk fund worth it?
Haan, Bandhan Mutual Fund ka riskometer HDFC Liquid Fund se kam hai, lekin yeh fund ki volatility bhi kam hai. Lekin, yeh fund ki Sharpe ratio bhi kam hai, isliye yeh fund aapke liye better option nahi hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ka expense ratio Bandhan Mutual Fund se kam hai, isliye yeh fund aapke liye 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