HDFC Liquid Fund vs HDFC Infra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
7.4%
Ab dekho, aaj hum do fund ek saath compare karenge - HDFC Liquid Fund aur HDFC Infra Fund. Ye dono fund bahut hi popular hain aur unke return bahut hi achhe hain. Is article mein hum aapko yeh jaanne ke liye madad karenge ki konsa fund long term mein aapke liye better hai. Dekho, fund A aur fund B dono mein kya farak hai aur konsa fund aapke liye suit hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BHDFC Infra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Thematic |
| NAV (₹) | 5466.12 | 33.77 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.19 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.5% |
| Riskometer | Low | Moderate |
| Volatility | 0.11 | 14.88 |
| Sharpe Ratio | 3 | 0.06 |
| 1 Year Return (%) | 6.08% | 6.36% |
| 3 Year Return (%) | 6.83% | 7.4% |
| 5 Year Return (%) | 6.01% | 6.49% |
| Since Launch (%) | 34.46% | 6.63% |
| 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) | Roshi Jain (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Infrastructure 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. (5.8%), ICICI Bank Ltd. (5.2%), Larsen & Toubro 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: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 203% | 35% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum decide karenge ki konsa fund long term mein aapke liye better hai. Fund A ka 3Y return 6.83% hai, lekin expense ratio 0.2% hai, jo kam hai. Fund B ka 3Y return 7.4% hai, lekin riskometer moderate hai, jo fund A se jyada hai. Dekho, fund A ka expense ratio kam hai, isliye yeh aapke liye 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 Infra Fund?
- Expense ratio: 0.5%
- 3Y return: 7.4%
- AUM: 2.19 Lac Cr
- Sharpe Ratio: 0.06
📈 SIP Suitability
SIP (Systematic Investment Plan) ki madad se aap monthly basis par investment karte hain. Fund A aur fund B dono mein SIP suit karna zaroori hai. Fund A ka return stability kam hai, lekin fund B ka return stability jyada hai. Haan, fund B ka riskometer moderate hai, isliye yeh fund A se jyada risk hai. Lekin, fund B ka 3Y return jyada hai, isliye yeh fund A se better hai.
⚠️ Risk & Cost Analysis
Ab dekho, riskometer, volatility, Sharpe ratio, expense ratio ki comparison. Fund A ka riskometer low hai, lekin volatility 0.11 hai, jo kam hai. Fund B ka riskometer moderate hai, lekin Sharpe ratio 0.06 hai, jo kam hai. Haan, expense ratio mein fund A kam hai, isliye yeh aapke liye better hai.
📊 Portfolio Diversification
Ab dekho, asset allocation aur top holdings ki comparison. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, SDL mein hai. Fund B ka asset allocation Equity aur T-Bills mein hai. Haan, fund A ka asset allocation jyada diversified hai, lekin fund B ka risk jyada hai. Lekin, fund B ka return stability jyada hai, isliye yeh fund A se better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
HDFC Infra Fund
₹890195.03
@7.4% 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 6.49% hai, jo fund A ka 5Y return 6.01% se jyada hai. Isliye, fund B aapke liye better hai.
Q2: Is the higher risk fund worth it?
Haan, fund B ka volatility jyada hai, lekin Sharpe ratio kam hai. Isliye, fund B ka risk-adjusted return fund A se kam hai. Lekin, fund B ka return stability jyada hai, isliye yeh fund A se better hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki fund A ka expense ratio 0.2% hai, jo fund B ka expense ratio 0.5% se kam hai. Isliye, fund A aapke liye 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