HDFC Liquid Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.96%
Dekho, aaj hum do liquid funds ke beech ka comparison karne jaa rahe hain - HDFC Liquid Fund aur Canara Robeco Liquid Fund. Sabse pehle, hum jante hain ki yeh duniya mein kya hota hai aur aapke paise ko kaise safal banate hain. Is article mein, hum aapko batayenge ki yeh do funds aapke paise ke liye kaise achhe hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Canara Robeco |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 3337.33 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 4.18 |
| 1 Year Return (%) | 6.08% | 6.22% |
| 3 Year Return (%) | 6.83% | 6.96% |
| 5 Year Return (%) | 6.01% | 6.13% |
| Since Launch (%) | 34.46% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Haan, yeh toh aapko pata hi hai ki long-term mein wealth creation ke liye sabse zaroori cheez hai return, expense ratio aur risk. Dekho, yeh do funds aapke liye kaise theek hain. Fund B ki 3Y return 6.96% hai, jo Fund A ki 3Y return 6.83% se zyada hai. Lekin expense ratio ke maamle mein Fund A better hai, jiski expense ratio 0.2% hai, jo Fund B ki 0.12% se zyada hai. Riskometer, volatility aur Sharpe ratio ke maamle mein bhi Fund B better hai. Toh, hum apne verdict mein Fund B ko better fund maante hain.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
Ek SIP ke liye, hum aapko koi bhi fund chun sakte hain, lekin aapko yeh dekhna hai ki fund aapke liye kitna achha hai. Dekho, Fund B ki consistency aur return stability ke maamle mein better hai. Uska 1Y return 6.22% hai, jo Fund A ki 6.08% se zyada hai. Isliye, hum aapko Fund B ke liye SIP karne ke liye suggest karte hain.
⚠️ Risk & Cost Analysis
Aapko riskometer, volatility, Sharpe ratio aur expense ratio ke maamle mein fund ki performance dekhna hoga. Dekho, Fund B riskometer ke maamle mein better hai, jiske riskometer Low hai. Iske alawa, uska volatility 0.11 hai, jo Fund A ki 0.11 se niyamit hai. Sharpe ratio ke maamle mein bhi Fund B better hai, jiska Sharpe ratio 4.18 hai, jo Fund A ki 3 se zyada hai. Lekin expense ratio ke maamle mein Fund A better hai, jiska expense ratio 0.2% hai, jo Fund B ki 0.12% se zyada hai. Isliye, hum aapko Fund B ke liye risk-adjusted returns maante hain.
📊 Portfolio Diversification
Aapko portfolio ki diversification aur top holdings concentration ke maamle mein fund ki performance dekhna hoga. Dekho, Fund B ki asset allocation T-Bills ke maamle mein 65% hai, jo Fund A ki 19.85% se zyada hai. Iske alawa, uska top holdings concentration State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai. Isse, hum aapko Fund B ke liye portfolio diversification maante hain.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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?
Sach ye hai ki Fund B ki 5Y return 6.13% hai, jo Fund A ki 6.01% se zyada hai. Isliye, hum aapko Fund B ke liye long-term returns maante hain.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki volatility 0.11 hai, jo Fund A ki 0.11 se niyamit hai. Iske alawa, uska Sharpe ratio 4.18 hai, jo Fund A ki 3 se zyada hai. Isliye, hum aapko Fund B ke liye risk-adjusted returns maante hain.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ki expense ratio 0.2% hai, jo Fund B ki 0.12% se zyada hai. Isliye, hum aapko Fund B ke liye cost-effective fund maante hain.
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