HDFC Liquid Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.92%
Dekho, aap donon funds Liquid category mein hain. Is article mein hum Fund A (HDFC Liquid Fund) aur Fund B (Baroda BNP Paribas Liquid Fund) ke beech ka comparison karne wale hain. Fund A aur Fund B ke 1Y, 3Y, aur 5Y returns, expense ratio, aur riskometer ke beech ka comparison karke hum aapko pata lagayenge ki kis fund mein long-term wealth creation ke liye investment karna chaahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Baroda BNP Paribas |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 3208.35 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 3.82 |
| 1 Year Return (%) | 6.08% | 6.16% |
| 3 Year Return (%) | 6.83% | 6.92% |
| 5 Year Return (%) | 6.01% | 6.14% |
| Since Launch (%) | 34.46% | 6.88% |
| 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) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, Fund B (Baroda BNP Paribas Liquid Fund) long-term wealth creation ke liye aapke liye better fund hai. Iska 3Y return 6.92% hai, jo Fund A (HDFC Liquid Fund) ka 3Y return 6.83% se bahut hi neeche hai. Sath hi, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.2% se kam hai. Aur riskometer ke beech ka comparison karke hum dekhenge ki Fund B ka riskometer Fund A ke rishte me kya 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
Chaliye, Fund B (Baroda BNP Paribas Liquid Fund) monthly SIP ke liye aapke liye better fund hai. Iska 3Y return aur expense ratio Fund A (HDFC Liquid Fund) ke rishte me kuch bhi kam nahi hai. Sath hi, Fund B ka asset allocation aur return stability Fund A ke rishte me kuch bhi kam nahi hai.
⚠️ Risk & Cost Analysis
Lekin, riskometer ke beech ka comparison karke hum dekhenge ki Fund A aur Fund B ke beech kya difference hai. Fund A ka riskometer Low hai, lekin Fund B ka riskometer bhi Low hai, lekin Fund B ka Sharpe ratio 3.82 hai, jo Fund A ka Sharpe ratio 3 se kam hai. Iske alawa, Fund B ka expense ratio Fund A ke expense ratio se kam hai.
📊 Portfolio Diversification
Haan, Fund A aur Fund B ke asset allocation aur top holdings concentration ke beech kuch bhi difference hai. Fund A ka asset allocation CP, CD, T-Bills, debenture, bonds/NCd, Debt, aur SDL mein hai, lekin Fund B ka asset allocation T-Bills, CD, CP, aur cash mein hai. Iske alawa, Fund A ka top 3 holdings Reserve Bank of India, Reserve Bank of India, aur Reserve Bank of India mein hai, lekin Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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?
Sach ye hai ki Fund B (Baroda BNP Paribas Liquid Fund) Fund A (HDFC Liquid Fund) ke 5Y return 6.14% se 6.01% kam nahi hai. Iske alawa, Fund B ka 3Y return 6.92% hai, jo Fund A ka 3Y return 6.83% se kam nahi hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke beech ka comparison karke hum dekhenge ki Fund B (Baroda BNP Paribas Liquid Fund) Fund A (HDFC Liquid Fund) ke rishte me kya hai. Fund B ka volatility Fund A ke rishte me kam nahi hai, lekin Fund B ka Sharpe ratio Fund A ke Sharpe ratio se kam nahi hai.
Q3: Which fund is more cost-effective?
Expense ratio ke beech ka comparison karke hum dekhenge ki Fund B (Baroda BNP Paribas Liquid Fund) Fund A (HDFC Liquid Fund) ke rishte me kya hai. Fund B ka expense ratio Fund A ke expense ratio se 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