HDFC Liquid Fund vs Invesco 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%
Hum aaj Fund A (HDFC Liquid Fund) aur Fund B (Invesco Mutual Fund Liquid Fund) ke beech ka comparison karne ja rahe hain. Ye do funds Liquid category mein hain. Hum is article mein fund ki 3Y return, expense ratio, aur risk ke beech ka comparison karenge.
[VERDICT]| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BInvesco Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Invesco Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 3819.94 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.76 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 3 | 3.31 |
| 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% | 6.82% |
| 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) | Amit Ganatra (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% | 269% |
🤖 AI Verdict – Which is Better?
Hum aapko fund ki 3Y return, expense ratio, aur risk ke beech ka comparison karne ke baad Fund B (Invesco Mutual Fund Liquid Fund) ko better fund ke roop mein dikha rahe hain. Is fund ki 3Y return 6.93% hai, expense ratio 0.12% hai, aur riskometer Low 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 Invesco Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.76 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Yadi aap ek monthly SIP ke liye fund chunna chahte hain to hum Fund B (Invesco Mutual Fund Liquid Fund) ko better fund ke roop mein dekhte hain. Is fund ki consistency aur return stability Fund A (HDFC Liquid Fund) se badi hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Yadi hum riskometer, volatility, Sharpe ratio, aur expense ratio ke beech ka comparison karenge to hum Fund B (Invesco Mutual Fund Liquid Fund) ko better fund ke roop mein dekhte hain. Is fund ki riskometer Low hai, volatility 0.13 hai, Sharpe ratio 3.31 hai, aur expense ratio 0.12% hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Yadi hum asset allocation aur top holdings concentration ke beech ka comparison karenge to hum Fund A (HDFC Liquid Fund) ko more diversified fund ke roop mein dekhte hain. Is fund ki asset allocation CP, CD, T-Bills, aur SDL mein hai. Fund B (Invesco Mutual Fund Liquid Fund) ka asset allocation T-Bills, CD, CP, aur Cash mein hai.
[FAQ]SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Invesco 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?
Fund B (Invesco Mutual Fund Liquid Fund) ki 5Y return 6.11% hai, jiski comparison Fund A (HDFC Liquid Fund) ki 5Y return 6.01% se badi hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B (Invesco Mutual Fund Liquid Fund) ka Sharpe ratio 3.31 hai, jiski comparison Fund A (HDFC Liquid Fund) ka Sharpe ratio 3 se kam hai.
Q3: Which fund is more cost‑effective?
Fund B (Invesco Mutual Fund Liquid Fund) ka expense ratio 0.12% hai, jiski comparison Fund A (HDFC Liquid Fund) ka expense ratio 0.2% se kam 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