HDFC Liquid Fund vs LIC 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%
Dekho, aaj humein do hissey ke fund ke beech me comparison karna hai - HDFC Liquid Fund aur LIC Mutual Fund Large Cap Fund. Ye don't hai ki humein jiske liye investment karna hai. Sach ye hai ki hamare paas ye do fund hai jo alag-alag category me aate hai. Fund A hai HDFC Liquid Fund, jo ek Liquid fund hai. Fund B hai LIC Mutual Fund Large Cap Fund, jo ek Large Cap fund hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.22 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.93 |
| Sharpe Ratio | 3 | 0.69 |
| 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) | Yogesh Patil (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% | 22% |
🤖 AI Verdict – Which is Better?
Humare paas data hai ki Fund A ka 3Y return 6.83% hai, lekin Fund B ka 3Y return 14.7% hai. Expense ratio ke hisab se bhi Fund B asaann hai. Lekin Fund B ka Riskometer Very High hai, jo Fund A ke compare kafi jyada hai. Chaliye, hamare paas pata hai ki Fund B ka 5Y return 12.03% hai, jo Fund A ka 5Y return 6.01% se jyada hai. Lekin, Fund A ka riskometer Low hai, jisse hamare paas lagta hai ki Fund A long-term mein acha 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 LIC Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.22 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
SIP Suitability ke hisab se, humein dekha hai ki Fund A ka 3Y return 6.83% hai, jisse humein lagta hai ki Fund A ek achha SIP option hai. Fund B ka 3Y return 14.7% hai, lekin uska riskometer bhi jyada hai. Lekin, humein pata hai ki Fund B ka 1Y return -4.02% hai, jo Fund A ka 1Y return 6.08% se jyada neechaa hai. Isliye, humein lagta hai ki Fund A ek stable SIP option hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, Fund A ka riskometer Low hai, jisse humein lagta hai ki uska risk asaann hai. Fund B ka riskometer Very High hai, jisse humein lagta hai ki uska risk jyada hai. Volatility ke hisab se bhi, Fund A ka volatility 0.11 hai, jisse humein lagta hai ki uska risk asaann hai. Fund B ka volatility 11.93 hai, jisse humein lagta hai ki uska risk jyada hai. Sharpe ratio ke hisab se bhi, Fund A ka Sharpe ratio 3 hai, jisse humein lagta hai ki uska risk-adjusted return achha hai.
📊 Portfolio Diversification
Asset allocation ke hisab se, Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL ke beech me 47.67%, 31.92%, 19.85%, 2.05%, 0.13%, 0.06%, aur 0.04% hai. Fund B ka asset allocation Equity aur T-Bills ke beech me 96.00% aur 4.00% hai. Isliye, humein lagta hai ki Fund A ka portfolio diversified hai, lekin Fund B ka portfolio jyada concentrated hai. Top holdings concentration ke hisab se bhi, Fund A ka top holdings Reserve Bank of India ke beech me 5.23%, 4.44%, aur 3.79% hai, jo Fund B ka top holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. ke beech me 8.5%, 7.8%, aur 6.9% se kam hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
LIC 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 B ka 5Y return 12.03% hai, jo Fund A ka 5Y return 6.01% se jyada hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin uska higher return bhi hai. Lekin, humein pata hai ki Fund B ka riskometer Very High hai, jisse humein lagta hai ki uska risk jyada hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 0.52% 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