HDFC Liquid Fund vs Kotak Mahindra Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
12.82%
Dekho, aap logon ko sabse pehle pata hona chahiye ki is article mein hum do fundon ke beech ka comparison kar rahe hain, HDFC Liquid Fund aur Kotak Mahindra Large Cap Fund. Yeh donon fund SEBI-registered hain aur investment ke liye vyavaharik hain. Aapki zaroorat ke anusaar, aap in donon fundon mein se ek chun sakte hain. Chaliye, shuru karte hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BKotak Mahindra Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Kotak Mahindra |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 635.60 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.81 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.36% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.32 |
| Sharpe Ratio | 3 | 0.56 |
| 1 Year Return (%) | 6.08% | -2.46% |
| 3 Year Return (%) | 6.83% | 12.82% |
| 5 Year Return (%) | 6.01% | 12.2% |
| Since Launch (%) | 34.46% | 13.87% |
| 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) | Harsha Upadhyaya (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% | 16% |
🤖 AI Verdict – Which is Better?
Haan, hum aapko batana chahte hain ki Fund B, Kotak Mahindra Large Cap Fund, long-term wealth creation ke liye aapke liye better hoga. Yeh fund 3Y return mein 12.82% ka return de raha hai, jo ki Fund A, HDFC Liquid Fund ke 6.83% se bahut zyada hai. Lekin, fund ke expense ratio 1.36% hai, jo ki Fund A ke 0.2% se bahut zyada hai. Riskometer ke hisab se, yeh fund very high risk wala hai, isliye, aapko iski carefulness se investment karni chahiye. Fund B ek high-risk fund hai, lekin long-term wealth creation ke liye, yeh fund aapke liye 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 Kotak Mahindra Large Cap Fund?
- Expense ratio: 1.36%
- 3Y return: 12.82%
- AUM: 3.81 Lac Cr
- Sharpe Ratio: 0.56
📈 SIP Suitability
SIP suitabilitas ke liye, Fund B, Kotak Mahindra Large Cap Fund aapke liye better hai. Yeh fund 10+ years ke liye monthly SIP ke liye aapke liye consistent return de raha hai. Fund A, HDFC Liquid Fund ka 1Y return -2.46% hai, jo ki Fund B ke 12.82% se bahut kam hai. Lekin, Fund A ka expense ratio Fund B ke expense ratio se kam hai, jo ki 1.36% hai. SIP suitabilitas ke hisab se, Fund B aapke liye better hai.
⚠️ Risk & Cost Analysis
Risk & Cost Analysis ke hisab se, Fund A, HDFC Liquid Fund aapke liye better hai. Yeh fund low riskometer wala hai, jo ki 0.11 hai. Yeh fund volatility se bahut kam hai, jo ki 11.32 hai. Sharpe ratio ke hisab se, yeh fund 3 hai, jo ki Fund B ke 0.56 se bahut zyada hai. Expense ratio ke hisab se, yeh fund Fund B se kam hai, jo ki 1.36% hai. Riskometer, volatility, Sharpe ratio, expense ratio ke hisab se, Fund A aapke liye better hai.
📊 Portfolio Diversification
Portfolio diversification ke hisab se, Fund A, HDFC Liquid Fund aapke liye better hai. Yeh fund asset allocation mein bahut versatile hai, jo ki CP 47.67%, CD 31.92%, T-Bills 19.85%, Debenture 2.05%, Bonds/NCD 0.13%, Debt 0.06%, SDL 0.04% hai. Yeh fund top holdings mein bahut kam concentration hai, jo ki Reserve Bank of India 13.46% hai. Lekin, Fund B ka asset allocation Fund A se kam hai, jo ki Equity 96% hai. Fund B ka top holdings mein bahut jyada concentration hai, jo ki HDFC Bank Ltd. 8.5%, ICICI Bank Ltd. 7.8%, Reliance Industries Ltd. 6.9% hai. Portfolio diversification ke hisab se, Fund A aapke liye better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Kotak Mahindra Large Cap Fund
₹1220113.26
@12.8% 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?
Sach ye hai, Fund B, Kotak Mahindra Large Cap Fund, long run mein Fund A, HDFC Liquid Fund se bahut zyada return de raha hai, jo ki 5Y mein 12.2% hai. Fund A ka 5Y return 6.01% hai, jo ki Fund B se kam hai.
Q2: Is the higher risk fund worth it?
Haan, yeh aapko pata hai ki Fund B, Kotak Mahindra Large Cap Fund, very high risk wala hai, lekin yeh fund long run mein Fund A se bahut zyada return de raha hai. Yeh fund volatility se bahut jyada hai, jo ki 11.32 hai, lekin yeh fund Sharpe ratio ke hisab se Fund A se kam hai, jo ki 3 hai. Yeh fund aapke liye better hai, lekin aapko iski carefulness se investment karni chahiye.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A, HDFC Liquid Fund, Fund B ke expense ratio se kam hai, jo ki 1.36% hai. Fund A ka expense ratio 0.2% hai, jo ki Fund B se kam hai. Yeh fund aapke liye better hai, lekin aapko iski carefulness se investment karni chahiye.
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