HDFC Liquid Fund vs Kotak Mahindra 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%
Dekho, aap dono fundon ka comparison karne ja rahe hain. Ye HDFC Liquid Fund Direct Plan - Growth aur Kotak Mahindra Liquid Fund Direct Plan - Growth hai. Hum aapko batayenge ki in dono fundon ke beech kya similarity aur kya difference hai aur aapko kis fund mein paisa lagaane ke liye kya sujhav hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Kotak Mahindra |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki long-term wealth creation ke liye Fund B (Kotak Mahindra Liquid Fund) better hai. Iska 3Y return 6.93% hai, jo Fund A (HDFC Liquid Fund) ke 6.83% se adhik hai. Expense ratio bhi Fund B ka kam hai, 0.12% Fund A ke 0.2% se kam. Riskometer bhi dono fundon ka low hai, lekin Fund B ka Sharpe ratio 3.91 hai, jo Fund A ka 3 se adhik 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP ke liye Fund A (HDFC Liquid Fund) better hai. Iska consistency aur return stability Fund B (Kotak Mahindra Liquid Fund) ke liye thoda kam hai. Fund A ka 1Y return 6.08% hai, jabki Fund B ka 6.17% hai. Yeh dono fund low-risk fund hain, lekin Fund A ka riskometer thoda kam hai.
⚠️ Risk & Cost Analysis
Dono fundon ka riskometer low hai, lekin Fund B ka Sharpe ratio 3.91 hai, jo Fund A ka 3 se adhik hai. Volatility bhi dono fundon ka 0.11 hai. Expense ratio se baat karein, to Fund B ka 0.12% Fund A ke 0.2% se kam hai.
📊 Portfolio Diversification
Fund A (HDFC Liquid Fund) ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL mein hai. Fund B (Kotak Mahindra Liquid Fund) ka asset allocation T-Bills, CD, CP, aur Cash mein hai. Fund A ka asset allocation thoda adhik diversified hai, lekin Fund B ka top holdings concentration thoda kam hai. Fund A ka top 3 holdings Reserve Bank of India, Reserve Bank of India, aur Reserve Bank of India mein hai, jabki Fund B ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Kotak Mahindra 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?
Sach ye hai ki Fund A (HDFC Liquid Fund) ka 5Y return 6.01% hai, jabki Fund B (Kotak Mahindra Liquid Fund) ka 6.11% hai. Dono fund low-risk fund hain, lekin Fund A ka 5Y return Fund B se kam hai.
Q2: Is the higher risk fund worth it?
Sach ye hai ki Fund B (Kotak Mahindra Liquid Fund) ka Sharpe ratio Fund A (HDFC Liquid Fund) ka 3.91 hai, jo 3 se adhik hai. Volatility bhi dono fundon ka 0.11 hai, lekin Fund B ka Sharpe ratio Fund A se adhik hai. Isliye, Fund B ka higher risk fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund B (Kotak Mahindra Liquid Fund) ka expense ratio 0.12% Fund A (HDFC Liquid Fund) ke 0.2% se kam hai. Isliye, Fund B 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