HDFC Liquid Fund vs Baroda BNP Paribas Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.62%
Dekho, aaj hum do fundon ke beech ka comparison karenge. Fund A HDFC Liquid Fund hai, jo Liquid category mein aata hai. Isme humein 3Y return, expense ratio, aur risk kaise hain, yeh sab jaanne ke liye hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Baroda BNP Paribas |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 251.36 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.15 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.08 |
| Sharpe Ratio | 3 | 0.62 |
| 1 Year Return (%) | 6.08% | -0.15% |
| 3 Year Return (%) | 6.83% | 14.62% |
| 5 Year Return (%) | 6.01% | 11.06% |
| Since Launch (%) | 34.46% | 13.34% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 14 March 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Sanjay Chawla (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% | 34% |
🤖 AI Verdict – Which is Better?
Ab dekhte hain, kaunsa fund long-term wealth creation ke liye better hai. Ismein 3Y return, expense ratio, aur risk ka adhikar hai. Haan, Fund B ka 3Y return 14.62% hai, jiska arth hai ki ismein aapko jyada returns mile honge. Lekin expense ratio bhi 0.52% hai, jiska arth hai ki ismein aapko adhik expenses bhugtan honge. Fund A ka expense ratio 0.2% hai, jiska arth hai ki ismein aapko kam expenses bhugtan honge. Isliye, Fund B long-term wealth creation ke 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 Baroda BNP Paribas Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.62%
- AUM: 2.15 Lac Cr
- Sharpe Ratio: 0.62
📈 SIP Suitability
SIP ke liye Fund B ki consistency aur return stability better hai. Ismein aapko 10+ saalon ke liye monthly SIP karna hoga. Fund A ki consistency aur return stability kam hai, isliye Fund B ke liye SIP suitable hai.
⚠️ Risk & Cost Analysis
Riskometer ke anusaar Fund A low risk wala fund hai, jabki Fund B very high risk wala fund hai. Volatility bhi Fund B mein 13.08 hai, jabki Fund A mein 0.11 hai. Sharpe ratio bhi Fund A mein 3 hai, jabki Fund B mein 0.62 hai. Isliye, Fund A mein aapko jyada risk-adjusted returns mile honge.
📊 Portfolio Diversification
Asset allocation ke anusaar Fund A mein CP, CD, T-Bills, debenture, aur bonds/NCDS hai. Ismein asset allocation ki range bhi kam hai. Fund B mein equity 96% hai aur T-Bills 4% hai. Ismein asset allocation ki range bhi jyada hai. Isliye, Fund A mein portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Baroda BNP Paribas Large Cap Fund
₹1361101.96
@14.6% 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?
Hum dekhte hain ki Fund B ka 5Y return 11.06% hai aur 3Y return 14.62% hai. Isliye, Fund B long run mein aapko jyada returns dene wala fund hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer very high hai, lekin volatility bhi 13.08 hai. Sharpe ratio bhi 0.62 hai. Isliye, Fund B aapko jyada returns de sakta hai, lekin risk bhi jyada hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jabki Fund B ka expense ratio 0.52% hai. Isliye, 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