HDFC Liquid Fund vs Invesco 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%
Ek baat hai, agar aap invest karne ke liye kaafi confused hain, toh ye article aapke liye hai. Hum Fund A aur Fund B ke liye ek comparison kar rahe hain. Fund A HDFC Liquid Fund Direct Plan Growth hai, jo Liquid Category mein aata hai. Fund B Invesco Mutual Fund Large Cap Fund Direct Plan Growth hai, jo Large Cap Category mein aata hai. Chaliye, dekho kya dono fundon ka category ka faisla aapke liye kaisa hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BInvesco Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Invesco Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.08 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.43 |
| Sharpe Ratio | 3 | 0.66 |
| 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) | Amit Ganatra (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% | 27% |
🤖 AI Verdict – Which is Better?
Haan, aapko pata hai ki Fund A Liquid Category mein hai aur Fund B Large Cap Category mein hai. Toh, long-term wealth creation ke liye, Fund B kafi behtar hai, lekin uska riskometer Very High hai. Fund A ka expense ratio 0.2% hai, jo Fund B se kam hai. Chaliye, dekho kya Fund B ki high risk aapko kya deti hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Invesco Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.08 Lac Cr
- Sharpe Ratio: 0.66
📈 SIP Suitability
SIP ke liye, Fund A ka consistency aur return stability kafi achha hai. Fund A ka 3Y return 6.83% hai, jo Fund B se kam hai. Lekin, Fund A ka riskometer Low hai, jo Fund B se kam risk hai. Toh, SIP ke liye, Fund A kafi behtar hai.
⚠️ Risk & Cost Analysis
Yeh dikh raha hai ki Fund A ka riskometer Low hai, jo Fund B se kam risk hai. Fund A ka volatility 0.11 hai, jo Fund B ki 12.43 se kam hai. Fund A ka Sharpe ratio 3 hai, jo Fund B ki 0.66 se khaas hai. Expense ratio ke liye, Fund A ka 0.2% Fund B se kam hai. Toh, risk-adjusted returns ke liye, Fund A kafi behtar hai.
📊 Portfolio Diversification
Yeh dikh raha hai ki Fund A ka asset allocation kafi diversify hai. Uska CP 47.67% hai, 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 hi hai, lekin uska equity 96.00% hai, jo Fund A se zyada hai. Top holdings ke liye, Fund A ka Reserve Bank of India 14.46% hai, jo Fund B ki HDFC Bank Ltd. 8.5% se kam hai. Toh, portfolio diversification ke liye, Fund A kafi behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Invesco 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?
Fund A ka 5Y return 6.01% hai, jo Fund B ki 12.03% se kam hai. Lekin, Fund A ka riskometer Low hai, jo Fund B se kam risk hai. Toh, long run ke liye, Fund B kafi behtar hai.
Q2: Is the higher risk fund worth it?
Fund A ka volatility 0.11 hai, jo Fund B ki 12.43 se kam hai. Fund A ka Sharpe ratio 3 hai, jo Fund B ki 0.66 se khaas hai. Toh, higher risk fund ke liye, Fund A kafi behtar hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jo Fund B ki 0.52% se kam hai. Toh, cost-effectiveness ke liye, Fund A kafi behtar 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