HDFC Liquid Fund vs LIC Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
20.86%
Dekho, aisey to humein dono funds ki categories kaa comparison karna hoga - HDFC Liquid Fund aur LIC Mutual Fund Multi Cap Fund. Fund A ek liquid fund hai, jabki Fund B ek multi cap fund hai. Aaj hum is article mein aapko dono funds ki details denga aur aapko batayenge ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BLIC Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 19.01 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.60 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.9 |
| Sharpe Ratio | 3 | 1.03 |
| 1 Year Return (%) | 6.08% | 5.23% |
| 3 Year Return (%) | 6.83% | 20.86% |
| 5 Year Return (%) | 6.01% | 11.46% |
| Since Launch (%) | 34.46% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 February 2023 |
| 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 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 203% | 38% |
🤖 AI Verdict – Which is Better?
Haan, ab hum jante hain ki Fund B ko long-term wealth creation ke like kaha jata hai, lekin expense ratio aur risk ke hisaab se Fund A behtar hai. Fund A ka 3Y return 6.83% hai, jabki Fund B ka 3Y return 20.86% hai. Lekin Fund B ka expense ratio 1.68% hai, jo Fund A se zyada hai. Aur Fund B ka riskometer Very High hai, jo Fund A ke riskometer se zyada hai. Sach ye hai, Fund A behtar fund 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.60 Lac Cr
- Sharpe Ratio: 1.03
📈 SIP Suitability
SIP ke hisaab se, Fund A behtar fund hai. Fund A ka return stability aur consistency 5Y return ke hisaab se dekha jaa sakta hai. Fund A ka 5Y return 6.01% hai, jabki Fund B ka 5Y return 11.46% hai. Lekin, Fund A ka expense ratio Fund B se kam hai. Dekho, yeh data aapko kuchh insight dega.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, Fund A behtar fund hai. Fund A ka riskometer Low hai, jo Fund B se kam hai. Fund A ka volatility 0.11 hai, jo Fund B ke volatility 13.9 se kam hai. Aur Fund A ka Sharpe ratio 3 hai, jo Fund B se zyada hai. Lekin, Fund A ka expense ratio Fund B se kam hai. Sach ye hai, Fund A behtar fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke hisaab se, Fund A behtar fund hai. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL mein hai, jo Fund B ke asset allocation (Equity aur T-Bills) se zyada diversified hai. Aur Fund A ka top holdings concentration Reserve Bank of India mein hai, jo Fund B ke top holdings concentration (HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd.) se kam hai. Dekho, yeh data aapko kuchh insight dega.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
LIC Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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 ka 5Y return 11.46% hai, jo Fund A ka 5Y return 6.01% se zyada hai. Lekin, Fund A ka expense ratio Fund B se kam hai. Sach ye hai, Fund B ka long-term return behtar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund hai, lekin volatility aur Sharpe ratio ke hisaab se, Fund B ko risk-adjusted returns mein behtar fund mana jata hai. Lekin, aapko fund ki risk level aur aapke investment goals ka hisaab lene ke liye pahle kuchh research karna hoga.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio Fund B se kam hai. Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 1.68% se kam hai. Lekin, aapko fund ki performance aur risk level ka hisaab lene ke liye pahle kuchh research karna hoga.
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