HDFC Liquid Fund vs Mirae Asset Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
11.03%
Dekho, hum aaj do fundon ke beech comparison karne ja rhe hain, HDFC Liquid Fund aur Mirae Asset Large Cap Fund. Ye dono fund bahut aisi hain, lekin unki categories aur investment style alag-alag hain. Hum aapko batayenge ki ye dono fund kaisa hain aur aapko kis fund ka investment karna chahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BMirae Asset Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Mirae Asset |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 122.90 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.57% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.64 |
| Sharpe Ratio | 3 | 0.39 |
| 1 Year Return (%) | 6.08% | -2% |
| 3 Year Return (%) | 6.83% | 11.03% |
| 5 Year Return (%) | 6.01% | 10.78% |
| Since Launch (%) | 34.46% | 14.98% |
| 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) | Gaurav Misra (7.3 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY 100 Total Return Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (9.15%), ICICI Bank Ltd. (8.12%), Reliance Industries Ltd. (5.76%) |
| 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: 99.63% | Mutual Fund: 0.17% |
| Portfolio Turnover | 203% | 20% |
🤖 AI Verdict – Which is Better?
Haan, Fund A HDFC Liquid Fund aur Fund B Mirae Asset Large Cap Fund dono hi achi hain, lekin agar aap long-term wealth creation ke liye investment karte hain, to meri opinion hai ki Fund A HDFC Liquid Fund better hai. Iska sabse bada karan hai ki Fund A ka 3Y return 6.83% hai, jo ki Fund B ka 3Y return 11.03% se bhi adhik hai. Iske alawa, Fund A ka expense ratio 0.2% hai, jo ki Fund B ka expense ratio 0.57% se kam hai. Aur Fund A ka riskometer low hai, jo ki Fund B ka riskometer very high hai.
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 Large Cap Fund?
- Expense ratio: 0.57%
- 3Y return: 11.03%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Agar aap monthly SIP karte hain 10+ years ke liye, to meri suggestion hai ki aap Fund A HDFC Liquid Fund ka chun lein. Iska sabse bada karan hai ki Fund A ka 1Y aur 3Y return bahut stable hai, while Fund B ka 1Y return -2% hai. Iske alawa, Fund A ka asset allocation bahut well-diversified hai, jo ki Fund B ka asset allocation se bhi achha hai.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke hisaab se, Fund A HDFC Liquid Fund ki comparison Fund B Mirae Asset Large Cap Fund se bahut hi achhi hai. Fund A ka riskometer low hai, jo ki Fund B ka riskometer very high hai. Iske alawa, Fund A ka volatility 0.11 hai, jo ki Fund B ka volatility 11.64 se bhi kam hai. Sharpe ratio ke hisaab se bhi, Fund A 3 hai, jo ki Fund B ka Sharpe ratio 0.39 hai. Expense ratio ke hisaab se bhi, Fund A 0.2% hai, jo ki Fund B ka expense ratio 0.57% se bhi kam hai.
📊 Portfolio Diversification
Asset allocation ke hisaab se, Fund A HDFC Liquid Fund ka portfolio bahut well-diversified hai. Iska sabse bada karan hai ki Fund A ka asset allocation bahut se asset classes mein hain, jaise CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, SDL. Iske alawa, Fund A ka top holdings concentration bahut low hai, jo ki Fund B ka top holdings concentration se bhi kam hai. Fund B ka asset allocation bahut hi concentrated hai, jisme se mere paas lage ki Fund B ka sector risk bahut hi high hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Mirae Asset Large Cap Fund
₹1096870.77
@11.0% 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, jo ki Fund B ka 5Y return 10.78% se bhi kam hai. Lekin agar aap long-term wealth creation ke liye investment karte hain, to meri opinion hai ki Fund A HDFC Liquid Fund better hai.
Q2: Is the higher risk fund worth it?
Haan, agar aap higher risk fund mein investment karte hain, to aapko volatility aur Sharpe ratio ke hisaab se Fund B Mirae Asset Large Cap Fund ka chunna hoga. Lekin yeh dhyan rakhein ki Fund B ka riskometer very high hai, jo ki Fund A HDFC Liquid Fund ka riskometer se bhi high hai.
Q3: Which fund is more cost‑effective?
Expense ratio ke hisaab se, Fund A HDFC Liquid Fund bahut hi cost-effective hai, jo ki Fund B Mirae Asset Large Cap Fund se bhi kam hai. Iske alawa, Fund A ka Sharpe ratio 3 hai, jo ki Fund B ka Sharpe ratio se bhi high 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