HDFC Liquid Fund vs Groww Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.93%
Chaliye dekho, aaj hum do fundon ka comparison karne ja rhe hain - HDFC Liquid Fund aur Groww Mutual Fund Liquid Fund. Ye donon fund liquid category mein hain, jinka maqsad naye niveshkaron ke liye ek safest aur samay par return dene wala investment vikalp banane ka hai. Aaj hum janne ja rahe hain ki donon fundon mein kitne return hain, kitna risk hai, aur kis fund mein SIP ke liye sahi hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 3.91 |
| 1 Year Return (%) | 6.08% | 6.17% |
| 3 Year Return (%) | 6.83% | 6.93% |
| 5 Year Return (%) | 6.01% | 6.11% |
| Since Launch (%) | 34.46% | 50.63% |
| 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) | N/A |
| 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% | 203% |
🤖 AI Verdict – Which is Better?
Hum dekhte hain ki Groww Mutual Fund Liquid Fund 3Y me 6.93% return dete hai, jiska comparison HDFC Liquid Fund ke 6.83% return se hai. Lekin expense ratio ke maadm par Groww fund 0.12% se kam hai, jiska maaN HDFC fund ke 0.2% ke liye hai. Isliye, Groww fund long-term investment ke liye zyada accha 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
10+ saal ke liye SIP kiye jaane ke liye, Groww Mutual Fund Liquid Fund ka return aur stability dono hain. HDFC Liquid Fund ke 5Y me 6.01% return ke liye, Groww fund 6.11% return dete hai. Isse Groww fund ke liye SIP karna zyada accha hai.
⚠️ Risk & Cost Analysis
Riskometer ke maadm par donon fund low risk category mein hain, lekin Groww fund ke sharpe ratio 3.91 hai, jiska comparison HDFC fund ke 3 se hai. Lekin volatility 0.11 hai, jiska maN donon fundon ke liye samaan hai. Isliye, Groww fund me risk-adjusted returns zyada hain.
📊 Portfolio Diversification
HDFC Liquid Fund ke asset allocation me CP 47.67% aur T-Bills 19.85% hain. Groww Mutual Fund Liquid Fund me T-Bills 65.00% hain, aur CD 20.00% hain. Isse Groww fund ka portfolio diversification zyada hai. Lekin HDFC fund ke top 3 holdings Reserve Bank of India mein hain, jiska sector risk hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Groww Mutual Fund Liquid Fund
₹867076.87
@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?
Groww Mutual Fund Liquid Fund 3Y aur 5Y me zyada return dete hai, jiska comparison HDFC Liquid Fund se hai. Isliye, Groww fund long-term investment ke liye zyada accha hai.
Q2: Is the higher risk fund worth it?
Groww Mutual Fund Liquid Fund ka sharpe ratio HDFC Liquid Fund ka comparison me zyada hai, lekin volatility 0.11 hai. Isse Groww fund me risk-adjusted returns zyada hain, lekin koi bhi investment me risk hai. Isliye, Groww fund ka higher risk worth hai.
Q3: Which fund is more cost-effective?
Groww Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jiska comparison HDFC Liquid Fund ke 0.2% se hai. Isse Groww fund 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