HDFC Liquid Fund vs Groww Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
20.86%
Ab humein do mutual funds ke beech ka comparison karna hai - HDFC Liquid Fund aur Groww Mutual Fund Multi Cap Fund. Aaj humein yeh dekha jaega ki in dono funds ke categories kya hain aur humein kya seekha ja sakta hai.
Is article mein hume in dono funds ki performance, asset allocation, riskometer, aur expense ratio ka comparison karna hoga.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BGroww Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Groww Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 19.01 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.95 |
| Sharpe Ratio | 3 | 1.11 |
| 1 Year Return (%) | 6.08% | 5.23% |
| 3 Year Return (%) | 6.83% | 20.86% |
| 5 Year Return (%) | 6.01% | 0.27% |
| Since Launch (%) | 34.46% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 203% | 26% |
🤖 AI Verdict – Which is Better?
Haan, yeh toh bilkul sahi hai ki Groww Mutual Fund Multi Cap Fund ka 3Y return HDFC Liquid Fund se adhik hai, lekin yeh ek bahut hi riski fund hai. Expense ratio bhi adhik hai. Haan, isse long-term wealth creation ke liye nahi mana jata hai.
Isliye, hume HDFC Liquid Fund ko long-term wealth creation ke liye better fund mana jata 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
SIP ke liye Groww Mutual Fund Multi Cap Fund ki consistency aur return stability se HDFC Liquid Fund kamjor hai. Haan, yeh fund monthly SIP ke liye kamjor hai.
Haan, yeh fund monthly SIP ke liye nahi mana jata hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se HDFC Liquid Fund Groww Mutual Fund Multi Cap Fund se kamjor hai. Haan, yeh fund expense ratio ke liye bhi kamjor hai.
Isliye, HDFC Liquid Fund aapko better risk-adjusted returns deta hai.
📊 Portfolio Diversification
HDFC Liquid Fund ka asset allocation Groww Mutual Fund Multi Cap Fund se kamjor hai. Haan, yeh fund top holdings concentration ke hisaab se bhi kamjor hai.
Isliye, HDFC Liquid Fund aapko portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Groww Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Sach ye hai ki HDFC Liquid Fund ka 5Y return Groww Mutual Fund Multi Cap Fund se adhik hai, lekin 3Y return Groww Mutual Fund Multi Cap Fund ka adhik hai. Isse humein lagta hai ki HDFC Liquid Fund long term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, Groww Mutual Fund Multi Cap Fund ka higher risk fund hai, lekin volatility aur Sharpe ratio ke hisaab se yeh fund kamjor hai. Isse humein lagta hai ki higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Haan, HDFC Liquid Fund ka expense ratio Groww Mutual Fund Multi Cap Fund se kamjor hai. Isse humein lagta hai ki HDFC Liquid 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