HDFC Liquid Fund vs Navi Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.7%
Agar aapko paise ki bachat aur nivesh ke liye ek achha fund chunna hai, toh aapko sabse pehle uski category aur vittiya sthiti kaa dhyan denaa hoga. Aaj hum apne pustakalp mein HDFC Liquid Fund aur Navi Mutual Fund Large Cap Fund ko chune hain, jo dono kaa apna unique characteristics hain. Dekho kaise hum in dono fundon ko compare karenge aur aapko sahi fund chunne me madad karenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.51 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.72 |
| Sharpe Ratio | 3 | 0.64 |
| 1 Year Return (%) | 6.08% | -4.02% |
| 3 Year Return (%) | 6.83% | 14.7% |
| 5 Year Return (%) | 6.01% | 12.03% |
| Since Launch (%) | 34.46% | 11.65% |
| 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) | Sonam Udasi; Amey Sathe (9.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 203% | 30% |
🤖 AI Verdict – Which is Better?
Navi Mutual Fund Large Cap Fund ka 3Y return 14.7% hai, jo ki HDFC Liquid Fund ke 6.83% se adhik hai. Lekin expense ratio ka dhyan denaa hoga, Navi Mutual Fund Large Cap Fund ka expense ratio 0.52% hai, jo ki HDFC Liquid Fund ke 0.2% se adhik hai. Riskometer ek important factor hai, Navi Mutual Fund Large Cap Fund ka riskometer Very High hai, jo ki HDFC Liquid Fund ke Low riskometer se alag hai. Haan, sach ye hai, Navi Mutual Fund Large Cap Fund isme safalta hai, lekin yeh fund aapke liye sahi hai? Nahi, yeh fund aapke liye sahi nahi hai, kyonki yeh bahut jatil hai aur aapko bahut jatil nivesh ke liye taiyaar honaa hoga. Isliye, meri raay hai ki HDFC Liquid Fund aapke liye adhik sahi 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 Navi Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.51 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
HDFC Liquid Fund ka 3Y return 6.83% hai, jo ki Navi Mutual Fund Large Cap Fund ke 14.7% se kam hai. Lekin yeh fund aapke liye adhik stable hai, kyonki yeh ek liquid fund hai. Navi Mutual Fund Large Cap Fund ka 3Y return 14.7% hai, jo ki HDFC Liquid Fund ke 6.83% se adhik hai, lekin yeh fund aapke liye adhik jatil hai. Haan, yeh fund aapke liye safalta hai, lekin yeh fund aapke liye adhik unstable hai. Isliye, meri raay hai ki HDFC Liquid Fund aapke liye adhik sahi fund hai, lekin yeh fund aapke liye adhik stable hai.
⚠️ Risk & Cost Analysis
Navi Mutual Fund Large Cap Fund ka riskometer Very High hai, jo ki HDFC Liquid Fund ke Low riskometer se alag hai. Lekin yeh fund aapke liye adhik jatil hai, jo ki aapke liye adhik risk hai. Haan, Navi Mutual Fund Large Cap Fund ka Sharpe ratio 0.64 hai, jo ki HDFC Liquid Fund ke Sharpe ratio 3 se kam hai. Lekin yeh fund aapke liye adhik jatil hai, lekin yeh fund aapke liye adhik stable hai. Isliye, meri raay hai ki HDFC Liquid Fund aapke liye adhik sahi fund hai.
📊 Portfolio Diversification
HDFC Liquid Fund ka asset allocation bahut diversified hai, jismein CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL hain. Lekin Navi Mutual Fund Large Cap Fund ka asset allocation bahut jatil hai, jismein koi bhi asset class nahi hai, aur yeh fund aapke liye adhik jatil hai. Haan, yeh fund aapke liye adhik stable hai, lekin yeh fund aapke liye adhik risk hai. Isliye, meri raay hai ki HDFC Liquid Fund aapke liye adhik sahi fund hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Navi Mutual Fund Large Cap Fund
₹1367804.07
@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?
Navi Mutual Fund Large Cap Fund ka 5Y return 12.03% hai, jo ki HDFC Liquid Fund ke 6.01% se adhik hai. Lekin HDFC Liquid Fund ka 3Y return 6.83% hai, jo ki Navi Mutual Fund Large Cap Fund ke 14.7% se kam hai. Haan, Navi Mutual Fund Large Cap Fund aapke liye adhik safalta hai, lekin yeh fund aapke liye adhik jatil hai. Isliye, meri raay hai ki HDFC Liquid Fund aapke liye adhik sahi fund hai.
Q2: Is the higher risk fund worth it?
Navi Mutual Fund Large Cap Fund ka riskometer Very High hai, jo ki HDFC Liquid Fund ke Low riskometer se alag hai. Lekin yeh fund aapke liye adhik jatil hai, jo ki aapke liye adhik risk hai. Haan, Navi Mutual Fund Large Cap Fund ka Sharpe ratio 0.64 hai, jo ki HDFC Liquid Fund ke Sharpe ratio 3 se kam hai. Lekin yeh fund aapke liye adhik jatil hai, lekin yeh fund aapke liye adhik stable hai. Isliye, meri raay hai ki HDFC Liquid Fund aapke liye adhik sahi fund hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ka expense ratio 0.2% hai, jo ki Navi Mutual Fund
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