HDFC Liquid Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
15.78%
Agar aapko paise ka nivesh karna hai to aapko investment ke liye sahi fund ka chayan karna hoga. Aaj hum do fundon ko compare karne ja rhe hain - HDFC Liquid Fund aur HDFC Small Cap Fund. Ye do fund aapke paise ke liye kya offer karte hain? Chaliye iske baare mein jaante hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 5466.12 | 152.64 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.73% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 16.9 |
| Sharpe Ratio | 3 | 0.55 |
| 1 Year Return (%) | 6.08% | 0.2% |
| 3 Year Return (%) | 6.83% | 15.78% |
| 5 Year Return (%) | 6.01% | 18.08% |
| Since Launch (%) | 34.46% | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| 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: 90.45% |
| Portfolio Turnover | 203% | 6% |
🤖 AI Verdict – Which is Better?
Yadi aap long-term wealth creation ke liye fund chunna chahte hain to sach ye hai ki HDFC Small Cap Fund 3Y return ke hisab se better hai. Lekin iska expense ratio bhi 0.73% hai, jo HDFC Liquid Fund ke expense ratio (0.2%) se zyada hai. Riskometer bhi HDFC Small Cap Fund high hai. Toh humein kuch sochna hoga. Haan, HDFC Small Cap Fund aapke paise ko adhik return dete ho lekin iska expense bhi adhik hai. Dekho, agar aap risk le sakte hain to HDFC Small Cap Fund aapke liye better ho sakta hai. Lekin agar aap risk nahi le sakte toh HDFC Liquid Fund aapke liye better fund 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 Small Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 15.78%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
Agar aap 10+ saal ke liye monthly SIP karna chahte hain to HDFC Liquid Fund aapke liye better fund hai. Iska 3Y return 6.83% hai, jo HDFC Small Cap Fund ke 3Y return (15.78%) se kam hai lekin expense ratio kam hai. Chaliye, HDFC Liquid Fund aapke paise ko adhik stable returns dete hain aur expense bhi kam hai. Isliye yeh aapke liye better fund hai.
⚠️ Risk & Cost Analysis
HDFC Liquid Fund aur HDFC Small Cap Fund ke riskometer ke hisab se HDFC Liquid Fund low risk hai, jabki HDFC Small Cap Fund very high risk hai. Volatility bhi HDFC Small Cap Fund (16.9) ka zyada hai. Lekin Sharpe ratio ke hisab se HDFC Liquid Fund better hai. Dekho, HDFC Liquid Fund aapke paise ko adhik risk-adjusted returns dete hai. Isliye yeh aapke liye better fund hai.
📊 Portfolio Diversification
HDFC Liquid Fund aur HDFC Small Cap Fund ke asset allocation ka comparison karte hain. HDFC Liquid Fund mein CP, CD, T-Bills, Debenture, Bonds/NCD, Debt aur SDL hai. HDFC Small Cap Fund mein Equity hai. Dekho, HDFC Liquid Fund ke asset allocation mein zyada diversification hai. Lekin HDFC Small Cap Fund mein Equity ka concentration bhi zyada hai. Isliye HDFC Small Cap Fund mein sector risk bhi hogi. Haan, HDFC Liquid Fund aapke paise ko adhik diversified returns dete hain.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
HDFC Small Cap Fund
₹1462201.27
@15.8% 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?
HDFC Small Cap Fund ka 5Y return 18.08% hai, jisse yeh fund long-term wealth creation ke liye better hai.
Q2: Is the higher risk fund worth it?
HDFC Small Cap Fund ka volatility high hai (16.9) aur Sharpe ratio bhi kam hai (0.55). Toh yeh fund aapke paise ko adhik risk-adjusted returns nahi dete.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ka expense ratio (0.2%) HDFC Small Cap Fund ka expense ratio (0.73%) se kam hai. Isliye HDFC Liquid Fund aapke liye better fund 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