HDFC Liquid Fund vs LIC 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%
Humare paas do naye liquid funds hain, HDFC Liquid Fund aur LIC Mutual Fund Liquid Fund. Ye donon fund liquid category mein aate hain aur humein yeh batayenge ki kis fund se behtar returns milega aur kis fund ka expense ratio kam hoga. Dekho, yeh humare paas do naye options hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Humare paas do naye funds hain, lekin humein lagta hai ki HDFC Liquid Fund zyada behtar hoga. Iska 3Y return 6.83% hai, jo ki LIC Mutual Fund Liquid Fund ki 6.93% se kam hai lekin expense ratio 0.2% hai, jo ki LIC Mutual Fund Liquid Fund ki 0.12% se kam 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
HDFC Liquid Fund aur LIC Mutual Fund Liquid Fund donon hi stable returns deta hain, lekin HDFC Liquid Fund ka 1Y return 6.08% hai, jo ki LIC Mutual Fund Liquid Fund ki 6.17% se kam hai. Dekho, yeh donon fund stable returns deta hain, lekin HDFC Liquid Fund ka expense ratio kam hai.
⚠️ Risk & Cost Analysis
HDFC Liquid Fund ka riskometer Low hai, lekin volatility 0.11 hai. LIC Mutual Fund Liquid Fund ka riskometer bhi Low hai, lekin volatility 0.12 hai. Sharpe ratio mein bhi HDFC Liquid Fund pichhe hai, lekin expense ratio mein LIC Mutual Fund Liquid Fund pichhe hai.
📊 Portfolio Diversification
HDFC Liquid Fund ka asset allocation CP mein 47.67% aur T-Bills mein 19.85% hai. LIC Mutual Fund Liquid Fund ka asset allocation T-Bills mein 65.00% hai. Top holdings mein bhi kuchh difference hai, HDFC Liquid Fund mein Reserve Bank of India ka 5.23% holding hai, jabki LIC Mutual Fund Liquid Fund mein State Bank of India CD ka 8.5% holding hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
LIC 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?
Sach ye hai, HDFC Liquid Fund ka 5Y return 6.01% hai, jo ki LIC Mutual Fund Liquid Fund ki 6.11% se kam hai. Lekin expense ratio mein HDFC Liquid Fund pichhe hai.
Q2: Is the higher risk fund worth it?
Haan, kuchh investors ko higher risk fund ka risk pata hoga, lekin HDFC Liquid Fund ka riskometer Low hai aur volatility 0.11 hai. Lekin Sharpe ratio mein LIC Mutual Fund Liquid Fund pichhe hai.
Q3: Which fund is more cost-effective?
Humare paas data nahi hai, lekin expense ratio mein HDFC Liquid Fund pichhe hai, lekin LIC Mutual Fund Liquid Fund ka expense ratio 0.12% 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