HDFC Liquid Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
16.22%
Aap logon ke liye ek bahut hi important faisle hai, Fund A hai jo HDFC Liquid Fund - Direct Plan - Growth hai jiska category Liquid hai aur Fund B hai HDFC ELSS Tax Saver Fund - Direct Plan - Growth jiska category ELSS hai. Dekho, yeh do funds aapke paison ka kaisa niveshanik hai?
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 5466.12 | 1325.00 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.24% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.3 |
| Sharpe Ratio | 3 | 0.73 |
| 1 Year Return (%) | 6.08% | -5.24% |
| 3 Year Return (%) | 6.83% | 16.22% |
| 5 Year Return (%) | 6.01% | 16.62% |
| Since Launch (%) | 34.46% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| 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: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 203% | 32% |
🤖 AI Verdict – Which is Better?
Haan, aap sabhi ko pata hai ki long-term wealth creation ke liye koi bhi fund ki return aur expense ratio bahut hi mahatvapoorn hai. Isliye, Fund B ka 3Y return 16.22% hai, jo bahut hi accha hai, lekin expense ratio 1.24% hai jo bahut hi jyaada hai. Fund A ka 3Y return 6.83% hai, jo thoda kam hai, lekin expense ratio 0.2% hai jo bahut hi kam hai. Isliye, hamara verdict hai ki Fund A better hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP ke liye Fund A aur Fund B ki compare karte samay, dekho, Fund A ki consistency aur return stability bahut hi acchi hai. Fund B ka 1Y return -5.24% hai, jo bahut hi kam hai. Isliye, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Haan, aap sabhi ko pata hai ki riskometer, volatility, Sharpe ratio aur expense ratio ke liye fund ki compare karni bahut hi zaroori hai. Fund A ka riskometer Low hai, volatility 0.11 hai, Sharpe ratio 3 hai, aur expense ratio 0.2% hai. Fund B ka riskometer Very High hai, volatility 13.3 hai, Sharpe ratio 0.73 hai, aur expense ratio 1.24% hai. Isliye, Fund A risk- adjusted returns ke liye better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund A aur Fund B ki compare karte samay, dekho, Fund A ki 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% hai, jo bahut hi diversified hai. Fund B ka asset allocation Equity: 96.57%, GOI Sec: 0.33% hai, jo thoda kam diversified hai. Isliye, Fund A portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 Fund B ka 5Y return 16.62% hai aur Fund A ka 5Y return 6.01% hai, isliye Fund B long-run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk riskometer Very High hai, lekin volatility 13.3 hai, jo Fund A ke volatility 0.11 se bahut jyaada hai. Isliye, Fund B ki higher risk Fund A ki kam risk se bhi zyada hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.2% hai, jo Fund B ke expense ratio 1.24% se bahut kam hai. Isliye, 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