HDFC Liquid Fund vs DSP 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%
Aaj hum do mutual fund ke liye compare kar rahe hain - HDFC Liquid Fund aur DSP Mutual Fund Large Cap Fund. Duniya mein sabse zyada liquidity ka fund HDFC Liquid Fund hai, jabki DSP Mutual Fund Large Cap Fund ek Large Cap fund hai jo is category mein bhi top performer hai. Aapke paas paise invest karna hai aur aapko pata hai ki aapko kitna risk le sakte hain, isliye hum aapko ye sab kuchh batayenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BDSP Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | DSP Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.82 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.97 |
| Sharpe Ratio | 3 | 0.69 |
| 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) | Atul Bhole (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% | 23% |
🤖 AI Verdict – Which is Better?
Long term wealth creation ka mudda hai toh hum DSP Mutual Fund Large Cap Fund ko aage badhaenge. 3Y return 14.7% hai, jo HDFC Liquid Fund ki return se kafi aage hai. Lekin expense ratio bhi bahut hi accha hai, 0.52%. Riskometer Very High hai, lekin yeh fund large cap companies mein investment karta hai, jisse risk aage badh jata hai. Haan, HDFC Liquid Fund ki 5Y return 6.01% hai, lekin yeh fund liquid asset mein invest karta hai, jisse return kaafi stable nahi hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider DSP Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.82 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
Monthly SIP ke liye aapko kuch din ke liye invest karna hai, isliye hum HDFC Liquid Fund ko aage badhaenge. Yeh fund 1-5 year mein investment karne ke liye perfect hai, lekin DSP Mutual Fund Large Cap Fund ko long term investment ke liye prefer karna chahiye. DSP Mutual Fund Large Cap Fund ki return aage badh rahi hai, lekin HDFC Liquid Fund ki return stable hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke liye hum DSP Mutual Fund Large Cap Fund ko aage badhaenge. Riskometer Very High hai, lekin yeh fund large cap companies mein investment karta hai, jisse risk aage badh jata hai. Volatility 11.97 hai, jo HDFC Liquid Fund ki volatility se kafi aage hai. Sharpe ratio 0.69 hai, jo HDFC Liquid Fund ki Sharpe ratio se thoda kam hai, lekin expense ratio 0.52% hai, jo HDFC Liquid Fund ki expense ratio se kam hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum DSP Mutual Fund Large Cap Fund ko aage badhaenge. Asset allocation mein 96% equity aur 4% T-Bills hai, jo kafi accha hai. Lekin HDFC Liquid Fund ki asset allocation mein 47.67% CP, 31.92% CD, aur 19.85% T-Bills hai, jo kafi jatil hai. Top holdings mein HDFC Bank Ltd, ICICI Bank Ltd aur Reliance Industries Ltd hai, jo kafi accha hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
DSP 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?
Sach ye hai ki DSP Mutual Fund Large Cap Fund ki 5Y return 12.03% hai, jo HDFC Liquid Fund ki 5Y return 6.01% se aage hai.
Q2: Is the higher risk fund worth it?
Hmm, DSP Mutual Fund Large Cap Fund ki volatility 11.97 hai, jo HDFC Liquid Fund ki volatility se aage hai. Lekin Sharpe ratio 0.69 hai, jo HDFC Liquid Fund ki Sharpe ratio se thoda kam hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ki expense ratio 0.2% hai, jo DSP Mutual Fund Large Cap Fund ki expense ratio 0.52% 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