HDFC Liquid Fund vs HSBC Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.7%
Chaliye dekho, aaj hum do fund kaa comparison karenge. Fund A HDFC Liquid Fund hai aur Fund B HSBC Mutual Fund Large Cap Fund. Ye do fund ek duniya mein hain, lekin inkaa category aur riskometer bahut alag hai. Aaj hum in donon fund kaa analysis karenge aur dekhein ki kis fund better hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HSBC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.97 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.46 |
| Sharpe Ratio | 3 | 0.72 |
| 1 Year Return (%) | 6.08% | -4.02% |
| 3 Year Return (%) | 6.83% | 14.7% |
| 5 Year Return (%) | 6.01% | 12.03% |
| Since Launch (%) | 34.46% | 11.65% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Cheenu Gupta (3.5 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% | 18% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A hai jo long-term wealth creation ke liye better hai. Iska 3Y return 6.83% hai, jo ki bahut achha hai. Expense ratio bhi kam hai, 0.2% hi. Aur riskometer low hai, jo ki safed hai. Fund B ka 3Y return 14.7% hai, lekin expense ratio 0.52% hai aur riskometer very high hai. Haan, 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 HSBC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.97 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
SIP ke liye Fund A better hai. Iska consistency aur return stability bahut achha hai. 1Y return 6.08% hai aur 3Y return 6.83% hai. Fund B ka return stability kam hai, lekin 3Y return bahut accha hai. Haan, Fund A SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Chaliye dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karenge. Fund A ka riskometer low hai, volatility 0.11 hai, aur Sharpe ratio 3 hai. Expense ratio bhi kam hai, 0.2% hi. Fund B ka riskometer very high hai, volatility 11.46 hai, aur Sharpe ratio 0.72 hai. Expense ratio bhi kam hai, 0.52% hi. Sach ye hai, Fund A better risk-adjusted returns pahunchta hai.
📊 Portfolio Diversification
Chaliye dekho, asset allocation aur top holdings concentration ka comparison karenge. Fund A ka asset allocation CP, CD, T-Bills, aur Debenture mein hai. Top holdings Reserve Bank of India mein hai. Fund B ka asset allocation Equity aur T-Bills mein hai. Top holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hai. Sach ye hai, Fund A ki asset allocation better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
HSBC Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Haan, Fund A 5Y aur 3Y returns mein better hai. Iska 5Y return 6.01% hai aur 3Y return 6.83% hai. Fund B ka 5Y return 12.03% hai, lekin 3Y return 14.7% hai. Fund A better hai.
Q2: Is the higher risk fund worth it?
No, Fund B ka higher risk aur lower Sharpe ratio hai. Volatility 11.46 hai, jo ki bahut jyada hai. Fund A ka riskometer low hai, volatility 0.11 hai, aur Sharpe ratio 3 hai. Haan, Fund A better hai.
Q3: Which fund is more cost-effective?
Haan, Fund A expense ratio mein better hai. Iska expense ratio 0.2% hai, jo ki Fund B ke 0.52% se kam hai. Haan, 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