HDFC Liquid Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
11.02%
Chaliye, dekho tumhara paisa kitna achha karta hai Fund A - HDFC Liquid Fund ya Fund B - HDFC Top 100 Fund mein. Ye do funds alag-alag categories mein hain, lekin kya unka return aur risk aapke liye achha hai? Is article mein hum dekheinge ki kis fund ka long-term wealth creation ke liye better hai.
[VERDICT]| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 14.66 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.31% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.05 |
| Sharpe Ratio | 3 | 0.35 |
| 1 Year Return (%) | 6.08% | -2.86% |
| 3 Year Return (%) | 6.83% | 11.02% |
| 5 Year Return (%) | 6.01% | 10.33% |
| Since Launch (%) | 34.46% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 203% | 33% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai, Fund B - HDFC Top 100 Fund 3Y return mein 11.02% ka return diya hai, jabki Fund A - HDFC Liquid Fund 6.83% ka return diya hai. Lekin, expense ratio ke liye Fund A ka 0.2% bahut accha hai. Aur, Fund B ka Riskometer Very High hai, jisse risk bhi bahut zyada hai. Toh, Fund A - HDFC Liquid Fund long-term wealth creation ke liye better hai.
[SIP_SUITABILITY]Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider HDFC Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Ek monthly SIP ke liye, Fund A - HDFC Liquid Fund ki consistency aur return stability better hai. Fund A ka 1Y return 6.08% hai, jabki Fund B ka 1Y return -2.86% hai. Isliye, Ek monthly SIP ke liye Fund A aapke liye accha hoga.
[RISK_COST]⚠️ Risk & Cost Analysis
Volatility aur expense ratio ke liye Fund A - HDFC Liquid Fund zyada accha hai. Fund A ka volatility 0.11 hai, jabki Fund B ka 13.05 hai. Aur, Fund A ka expense ratio 0.2% hai, jabki Fund B ka 0.31% hai. Isliye, Fund A aapko better risk-adjusted returns diya hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund A - HDFC Liquid Fund zyada diversified hai. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, SDL ke beech mein distribute hua hai, jabki Fund B ka asset allocation Equity aur T-Bills ke beech mein distribute hua hai. Isliye, Fund A aapke liye portfolio diversification ke liye better hai.
[FAQ]SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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?
Fund A - HDFC Liquid Fund ka 5Y return 6.01% hai, jabki Fund B - HDFC Top 100 Fund ka 5Y return 10.33% hai. Toh, Fund B long run mein better returns diya hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk worth hai, lekin iske liye aapko zaroori hai ki aap volatility aur Sharpe ratio ka hisaab karein. Fund B ka volatility 13.05 hai aur Sharpe ratio 0.35 hai, jabki Fund A ka volatility 0.11 hai aur Sharpe ratio 3 hai.
Q3: Which fund is more cost-effective?
Fund A - HDFC Liquid Fund ka expense ratio 0.2% hai, jabki Fund B - HDFC Top 100 Fund ka expense ratio 0.31% 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