HDFC Liquid Fund vs Mirae Asset Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
12.03%
Agar aap invest karna chahte hain fund mein, to ye post aapke liye bahut hi upyogi hogi. Dekho, humein do fund milte hain, ek HDFC Liquid Fund Direct Plan Growth aur doosra Mirae Asset Mid Cap Fund Regular Plan Growth. Fund A ek liquid fund hai jo apne low riskometer aur low volatility ke liye jagah-jagah par jaana jaata hai. Fund B ek mid cap fund hai jo apne riskometer se bhi adhik hai. Chaliye, hum donon fund ke baare mein jante hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BMirae Asset Mid Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Mirae Asset |
| Category | Liquid | Mid Cap |
| NAV (₹) | 5466.12 | 38.13 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.84 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.67% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.96 |
| Sharpe Ratio | 3 | 0.37 |
| 1 Year Return (%) | 6.08% | 2.41% |
| 3 Year Return (%) | 6.83% | 12.03% |
| 5 Year Return (%) | 6.01% | 9.36% |
| Since Launch (%) | 34.46% | 13.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 22 August 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Ankit Jain (6.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | Indusind Bank Ltd. (3.74%), Bharat Forge Ltd. (3.49%), Lupin Ltd. (3.47%) |
| 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: 97.85% | Mutual Fund: 0.26% |
| Portfolio Turnover | 203% | 47% |
🤖 AI Verdict – Which is Better?
Haan, humein ek clear verdict diya jaa sakta hai. Fund B ko lekin long term wealth creation ke liye prefer karna chahiye. Ye aisa kyon hai, kyonki Fund B ka 3Y return 12.03% hai, jo Fund A ke 3Y return 6.83% se bhi adhik hai. Lekin expense ratio ke liye Fund A ka 0.2% kam hai, jisse aapke pocket se paise bachenge.
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 Mid Cap Fund?
- Expense ratio: 1.67%
- 3Y return: 12.03%
- AUM: 1.84 Lac Cr
- Sharpe Ratio: 0.37
📈 SIP Suitability
Sach ye hai, SIP aapke investment ko stable karta hai. Fund A ko SIP suitabilty ke liye prefer karna chahiye, kyonki iska 1Y return 6.08% hai aur 3Y return 6.83%. Ye dono fund consistent return dene ke liye jaane jaate hain. Lekin Fund B ka 1Y return 2.41% hai, jisse aapke SIP investment ko stability nahi milegi.
⚠️ Risk & Cost Analysis
Riskometer aur volatility ke liye Fund A ka low riskometer aur low volatility use ke liye upyogi hai. Sharpe ratio ke liye Fund A ka 3 sharpe ratio Fund B se bhi adhik hai. Lekin expense ratio ke liye Fund A ka 0.2% kam hai, jisse aapke pocket se paise bachenge.
📊 Portfolio Diversification
Asset allocation ke liye Fund A ka CP 47.67%, CD 31.92%, T-Bills 19.85%, Debenture 2.05%, Bonds/NCD 0.13%, Debt 0.06%, SDL 0.04% hai. Fund B ka asset allocation equity 97.85%, mutual fund 0.26% hai. Fund A ka asset allocation Fund B se adhik diversified hai, lekin Fund B ka equity allocation Fund A se bhi adhik hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Mirae Asset Mid Cap Fund
₹1163772.71
@12.0% 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?
Ans. Fund B ka 5Y return 9.36% hai, jo Fund A ke 5Y return 6.01% se bhi adhik hai.
Q2: Is the higher risk fund worth it?
Ans. N/A, Fund B ka higher risk aur volatility se upar hai.
Q3: Which fund is more cost-effective?
Ans. Fund A ka expense ratio 0.2% hai, jo Fund B ke 1.67% 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