HDFC Liquid Fund vs Franklin Templeton 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%
Yahaan hum Fund A aur Fund B ki comparison karne jaa rahe hain. Fund A, HDFC Liquid Fund hai, jo Liquid category mein hai, aur Fund B, Franklin Templeton Large Cap Fund hai, jo Large Cap category mein hai. Aapke paas 3Y, 5Y, aur long-term returns ki information hai, aur hum is baat par focus karenge. Dekho, aapko kya pata hai ki kis fund mein aapka paisa zyada secure hoga, aur kis mein aapko sabse zyada return milega. Chaliye, shuru karenge!
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BFranklin Templeton Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Franklin Templeton |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.11 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.76 |
| Sharpe Ratio | 3 | 0.64 |
| 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) | Anand Radhakrishnan (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% | 31% |
🤖 AI Verdict – Which is Better?
Hum aapko batate hain ki kis fund mein aapka paisa zyada secure hoga, aur kis mein aapko sabse zyada return milega. Fund A ki 3Y return 6.83% hai, aur expense ratio 0.2% hai, jisse yeh fund zyada secure lagta hai. Fund B ki 3Y return 14.7% hai, lekin riskometer very high hai, aur expense ratio 0.52% hai. Haan, Fund B ki return zyada hai, lekin risk bhi zyada hai. Sach ye hai, Fund A better fund hai long-term wealth creation ke liye.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Franklin Templeton Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.11 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
Agar aap 10+ saal ke liye monthly SIP karnaa chahte hain, to Fund A better hai. Fund A ki consistency aur return stability zyada hai, aur yeh fund aapke paison ko zyada secure rakhne mein madad karega. Fund B ki return zyada hai, lekin risk bhi zyada hai, aur iska AUM kam hai. Haan, Fund B ki return zyada hai, lekin iska AUM kam hai, aur yeh fund zyada riski hai.
⚠️ Risk & Cost Analysis
Hum aapko batate hain ki kis fund mein aapka paisa zyada secure hoga, aur kis mein aapko sabse zyada return milega. Fund A ki riskometer low hai, aur volatility 0.11 hai, jisse yeh fund zyada secure lagta hai. Fund B ki riskometer very high hai, aur volatility 12.76 hai, jisse yeh fund zyada riski lagta hai. Haan, Fund B ki return zyada hai, lekin iska Sharpe ratio 0.64 hai, jisse yeh fund zyada costi hai. Sach ye hai, Fund A better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Hum aapko batate hain ki kis fund mein aapka paisa zyada secure hoga, aur kis mein aapko sabse zyada return milega. Fund A ki asset allocation CP mein 47.67%, CD mein 31.92%, aur T-Bills mein 19.85% hai, jisse yeh fund zyada diversified lagta hai. Fund B ki asset allocation ekdum hi equity mein 96.00% hai, jisse yeh fund zyada sector riski hai. Haan, Fund B ki return zyada hai, lekin iska asset allocation zyada concentrated hai. Sach ye hai, Fund A better fund hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Franklin Templeton 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?
Fund A ki 5Y return 6.01% hai, aur Fund B ki 5Y return 12.03% hai. Fund B ki return zyada hai, lekin iska risk bhi zyada hai. Haan, Fund B ki return zyada hai, lekin iska AUM kam hai. Sach ye hai, Fund B ki long run returns better hai, lekin iska risk bhi zyada hai.
Q2: Is the higher risk fund worth it?
Fund B ki volatility 12.76 hai, aur Fund A ki volatility 0.11 hai. Fund B ki riskometer very high hai, aur Fund A ki riskometer low hai. Haan, Fund B ki return zyada hai, lekin iska risk bhi zyada hai. Sach ye hai, Fund B ka higher risk worth hai, lekin iska AUM kam hai.
Q3: Which fund is more cost-effective?
Fund A ki expense ratio 0.2% hai, aur Fund B ki expense ratio 0.52% hai. Fund A ki expense ratio zyada low hai, aur Fund B ki expense ratio zyada high hai. Haan, Fund B ki return zyada hai, lekin iska expense ratio bhi zyada hai. Sach ye hai, Fund A more 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