HDFC Liquid Fund vs Mirae Asset ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.73%
Aaj hum do funds ke beech comparison karne ja rhe hain - HDFC Liquid Fund aur Mirae Asset ELSS Tax Saver Fund. Ye dono funds alag-alag categories mein aate hain aur isliye, inka risk aur return bhi alag-alag hoga. Is article mein, hum dekhenge ki kya fund long-term wealth creation ke liye better hai.
[VERDICT]| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BMirae Asset ELSS Tax Saver Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Mirae Asset |
| Category | Liquid | ELSS |
| NAV (₹) | 5466.12 | 48.73 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.53 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.85 |
| Sharpe Ratio | 3 | 0.59 |
| 1 Year Return (%) | 6.08% | 2.19% |
| 3 Year Return (%) | 6.83% | 14.73% |
| 5 Year Return (%) | 6.01% | 12.52% |
| Since Launch (%) | 34.46% | 16.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 29 December 2015 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Neelesh Surana (10.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 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. (9.53%), ICICI Bank Ltd. (4.84%), Reliance Industries Ltd. (4.19%) |
| 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: 99.11% | Mutual Fund: 0.0% |
| Portfolio Turnover | 203% | 69% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hum dekhenge ki fund ka 3Y return kya hai, expense ratio kitna hai aur riskometer kitna hai. Haan, hum dekhenge ki Fund B ka 3Y return 14.73% hai, jo Fund A ka 6.83% se bahut zyada hai. Lekin expense ratio bhi bahut jyada hai, 1.62%. Isliye, hamara verdict hai ki Fund A better hai.
[SIP_SUITABILITY]Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Mirae Asset ELSS Tax Saver Fund?
- Expense ratio: 1.62%
- 3Y return: 14.73%
- AUM: 2.53 Lac Cr
- Sharpe Ratio: 0.59
📈 SIP Suitability
Monthly SIP ke liye, hum dekhenge ki fund ka consistency aur return stability kya hai. Fund A ka 1Y return 6.08% hai, jo thoda stable hai. Fund B ka 1Y return 2.19% hai, jo kam stable hai. Isliye, Fund A better hoga monthly SIP ke liye.
[RISK_COST]⚠️ Risk & Cost Analysis
Hum dekhenge ki fund ka riskometer kitna hai, volatility kitni hai, Sharpe ratio kya hai aur expense ratio kitna hai. Fund A ka riskometer Low hai, lekin volatility 0.11 hai. Fund B ka riskometer Very High hai, lekin volatility 13.85 hai. Isliye, Fund A better hai risk-adjusted return ke liye.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Hum dekhenge ki fund ka asset allocation kya hai aur top holdings concentration kya hai. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD aur Debt mein hai. Fund B ka asset allocation Equity mein 99.11% hai. Isliye, Fund A better hai portfolio diversification ke liye.
[FAQ]SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Mirae Asset ELSS Tax Saver Fund
₹1370327.40
@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?
Answer: Fund A ka 5Y return 6.01% hai, jo Fund B ka 12.52% se kam hai. Isliye, Fund B better hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Answer: Fund B ka volatility 13.85 hai, jo Fund A ka 0.11 se bahut zyada hai. Sharpe ratio bhi Fund A ka 3 se kam hai. Isliye, Fund B higher risk fund nahin hai.
Q3: Which fund is more cost-effective?
Answer: Fund A ka expense ratio 0.2% hai, jo Fund B ka 1.62% se kam hai. Isliye, Fund A more 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