HDFC Liquid Fund vs Groww 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%
Dekho, aaj humein Fund A and Fund B ke beech ki comparison karenge. Ye don't hai koi jatil calculation, balki ek simple aur easy-to-understand comparison hai jo aapke liye upyogi hoga.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.54 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.05 |
| Sharpe Ratio | 3 | 0.63 |
| 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) | Sonam Udasi; Amey Sathe (9.2 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% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ek Large Cap fund hai jo 3Y me 14.7% return diya hai, lekin yeh fund bahut riski hai. Toh, yeh Fund B nahin hai jo long-term wealth creation ke liye upyogi hai. Fund A ek Liquid fund hai jo 3Y me 6.83% return diya hai aur yeh fund bahut kam riski hai. Toh, Fund A our verdict hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Groww Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.54 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A bahut accha option hai. Is fund me consistency aur return stability ki guarantee hai. Fund B ka 1Y return bahut kam hai, isliye yeh fund SIP ke liye upyogi nahin hai.
⚠️ Risk & Cost Analysis
Fund A ka riskometer Low hai, lekin Fund B ka riskometer Very High hai. Volatility mein bhi Fund A ka 0.11 ka score Fund B ka 13.05 se kam hai. Sharpe ratio mein bhi Fund A hai bahut accha, lekin expense ratio mein Fund B kam hai. Toh, Fund A offer karta hai better risk-adjusted returns.
📊 Portfolio Diversification
Fund A ke asset allocation me CP, CD, T-Bills aur Debentures ke share hai, jisse yeh fund bahut diversified hai. Fund B mein equity ka 96% share hai, jisse yeh fund sector risk ke liye upyogi hai. Top holdings mein bhi Fund A ka Reserve Bank of India ka share Fund B ka HDFC Bank Ltd, ICICI Bank Ltd aur Reliance Industries Ltd ke share se kam hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Groww 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?
Fund A ka 5Y return 6.01% hai, jisse yeh fund long-run me better returns deta hai.
Q2: Is the higher risk fund worth it?
Fund B ka volatility bahut jyada hai, lekin Sharpe ratio mein yeh fund Fund A se kam hai. Toh, Fund B ka higher risk fund worth nahin hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jisse yeh fund Fund B ka 0.52% expense ratio se kam hai. Toh, 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