HDFC Liquid Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.55%
Today, humein do liquid funds ka comparison karne ka mauka milta hai, HDFC Liquid Fund aur Motilal Oswal Liquid Fund. Ye donon funds low-risk category mein aate hain aur apne investors ke liye aamtaur par 6-7% ki annual return dete hain. Is article mein, hum apne readers ko pata karwaaenge ki yeh donon fund kaise hain, unka comparison kitna aavashyak hai, aur kis fund ko long-term wealth creation ke liye prefer karna chahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Motilal Oswal |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 14.67 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 0.42 |
| 1 Year Return (%) | 6.08% | 5.84% |
| 3 Year Return (%) | 6.83% | 6.55% |
| 5 Year Return (%) | 6.01% | 5.76% |
| Since Launch (%) | 34.46% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Niket Shah (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% | 261% |
🤖 AI Verdict – Which is Better?
Humein dekhte hain ki HDFC Liquid Fund 3Y return mein 6.83% ki return dete hain, lekin expense ratio 0.2% hai. Motilal Oswal Liquid Fund 3Y return mein 6.55% dete hain, lekin expense ratio 0.12% hai. Riskometer donon fund low hai, lekin volatility Motilal Oswal Liquid Fund mein 0.12% hai. Isliye, hamara verdict hai ki Motilal Oswal Liquid Fund long-term wealth creation ke liye better hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Monthly SIP ke liye, humein stability aur return consistency ko dikhana hai. HDFC Liquid Fund ke 3Y return mein stability dekhne ko milega, lekin Motilal Oswal Liquid Fund ki expense ratio thodi kam hai. Lekin, HDFC Liquid Fund ki asset allocation CP, CD, aur T-Bills mein adhik hai, jo SIP ke liye achhi hai. Isliye, hamara verdict hai ki HDFC Liquid Fund monthly SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Riskometer donon fund low hai, lekin volatility Motilal Oswal Liquid Fund mein 0.12% hai, jo HDFC Liquid Fund (0.11%) se adhik hai. Sharpe ratio Motilal Oswal Liquid Fund mein 0.42 hai, jo HDFC Liquid Fund (3) se kam hai. Expense ratio Motilal Oswal Liquid Fund mein 0.12% hai, jo HDFC Liquid Fund (0.2%) se kam hai. Isliye, Motilal Oswal Liquid Fund me better risk-adjusted returns milti hain.
📊 Portfolio Diversification
HDFC Liquid Fund ki asset allocation CP, CD, aur T-Bills mein adhik hai, jo portfolio diversification ke liye achhi hai. Lekin, top holdings concentration Reserve Bank of India mein adhik hai, jo sector risk ko badhava deta hai. Motilal Oswal Liquid Fund ki asset allocation T-Bills mein adhik hai, jo portfolio diversification ke liye achhi hai. Isliye, Motilal Oswal Liquid Fund portfolio diversification ke liye better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% 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?
HDFC Liquid Fund 5Y return mein 6.01% ki return dete hain, jo Motilal Oswal Liquid Fund (5.76%) se adhik hai. Isliye, HDFC Liquid Fund long run mein better returns dete hai.
Q2: Is the higher risk fund worth it?
Motilal Oswal Liquid Fund ki volatility 0.12% hai, jo HDFC Liquid Fund (0.11%) se adhik hai. Sharpe ratio Motilal Oswal Liquid Fund mein 0.42 hai, jo HDFC Liquid Fund (3) se kam hai. Isliye, Motilal Oswal Liquid Fund ki higher risk ko worth nahi kaha ja sakta.
Q3: Which fund is more cost-effective?
Motilal Oswal Liquid Fund ki expense ratio 0.12% hai, jo HDFC Liquid Fund (0.2%) se kam hai. Isliye, Motilal Oswal Liquid Fund 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