HDFC Liquid Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.93%
Ab hum do funds ke liye compare karne ja rhe hain - HDFC Liquid Fund Direct Plan Growth aur HSBC Mutual Fund Liquid Fund Direct Plan Growth. Ye dono funds Liquid category mein hain. Ye report mein hum aapko iske 1Y, 3Y aur 5Y return ke saath saath riskometer aur expense ratio ke baare mein jaankari degae. Dekho kya fund aapke long-term wealth creation ke liye better hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HSBC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.13% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 3.91 |
| 1 Year Return (%) | 6.08% | 6.17% |
| 3 Year Return (%) | 6.83% | 6.93% |
| 5 Year Return (%) | 6.01% | 6.11% |
| Since Launch (%) | 34.46% | 50.63% |
| 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) | Cheenu Gupta (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 203% | 215% |
🤖 AI Verdict – Which is Better?
Haan, our verdict hai ki Fund B - HSBC Mutual Fund Liquid Fund Direct Plan Growth better hai long-term wealth creation ke liye. Ye fund 3Y return mein 6.93% kiya hai, jiska mukhya fund A - HDFC Liquid Fund Direct Plan Growth ke 6.83% se adhik hai. Lekin expense ratio mein bhi Fund B kam (0.13%) hai fund A kehan (0.2%). Riskometer bhi dono funds ke liye low hai, lekin Fund B ka Sharpe ratio (3.91) fund A se adhik hai, jo risk-adjusted return ka ek bada indicator hai. Sach ye hai - Fund B aapke long-term wealth creation ke liye ek better investment option 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 Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Aap monthly SIP ke liye koi bhi fund chunsakte hain, lekin Fund B ki consistency aur return stability ki jaankari dekhi ja sakti hai. Ye fund 10+ saal ke liye monthly SIP ke liye better hai. Fund A ka 5Y return 6.01% hai, jiska 6.11% fund B se kam hai. Lekin Fund B ka expense ratio fund A kehan kam hai, jisse aapko jyada paise milenge.
⚠️ Risk & Cost Analysis
Riskometer dono funds ke liye low hai, lekin volatility aur Sharpe ratio ko dekhkar hum samajh sakte hain ki Fund B kitni kam risk wala hai. Fund B ka Sharpe ratio fund A se adhik hai, jisse aapka risk-adjusted return bhi adhik hoga. Expense ratio bhi Fund B kam hai, jisse aapko jyada paise milenge. Sach ye hai - Fund B aapke risk-adjusted returns ke liye better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum Fund B aur Fund A ko compare kar sakte hain. Fund A ka asset allocation yeh hai - CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04%. Fund B ka asset allocation yeh hai - T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00%. Fund A ka top holdings Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) hai. Fund B ka top holdings State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) hai. Fund B ka asset allocation aur top holdings concentration se adhik diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
HSBC Mutual Fund Liquid Fund
₹867076.87
@6.9% 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?
Answer: Fund B - HSBC Mutual Fund Liquid Fund Direct Plan Growth. Iske 5Y return 6.11% hai, jiska 6.01% fund A se jyada hai.
Q2: Is the higher risk fund worth it?
Answer: N/A
Q3: Which fund is more cost-effective?
Answer: Fund B - HSBC Mutual Fund Liquid Fund Direct Plan Growth. Iska expense ratio fund A kehan kam hai (0.13% v/s 0.2%).
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