HDFC Liquid Fund vs Navi Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.93%
Today, ve dekho hai do funds, HDFC Liquid Fund aur Navi Mutual Fund Liquid Fund, jo dono liquid fund category mein aate hain. Ye dono funds apne investors ko short-term aur liquid assets mein invest karne ke liye ek achha option hain. Is article mein, ve dekho kya fund hai better long-term wealth creation ke liye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 3 | 3.31 |
| 1 Year Return (%) | 6.08% | 6.17% |
| 3 Year Return (%) | 6.83% | 6.93% |
| 5 Year Return (%) | 6.01% | 6.11% |
| Since Launch (%) | 34.46% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
Chaliye pehle 3Y return ke hisaab se dekhte hain. Fund A ki 3Y return 6.83% hai, jabki Fund B ki 6.93% hai. To, Fund B better hai long-term wealth creation ke liye. Lekin, expense ratio bhi ek factor hai. Fund A ka expense ratio 0.2% hai, jabki Fund B ka 0.12% hai. To, Fund B ismein bhi better hai. Aur riskometer bhi ek factor hai. Dono funds ki riskometer low hai. To, hamara verdict hai, Fund B better hai long-term wealth creation ke liye.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Ek monthly SIP ke liye, consistency aur return stability dono hi factor hain. Fund A ki 1Y aur 3Y return Fund B se kam hai. Lekin, Fund A ki return stability Fund B se badi hai. To, SIP ke liye Fund A better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio dono hi factors hain risk-adjusted returns ke liye. Fund A ka riskometer low hai, lekin volatility 0.11 hai, jabki Fund B ka 0.13 hai. Sharpe ratio bhi Fund B ki taraf hai. To, expense ratio ke hisaab se bhi Fund B better hai. To, hamara verdict hai, Fund B offers better risk-adjusted returns.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration dono hi factors hain diversification ke liye. Fund A ka asset allocation CP, CD aur T-Bills mein hai, jabki Fund B ka asset allocation T-Bills, CD aur CP mein hai. Fund A ki top holdings concentration RBI mein hai, jabki Fund B ki State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills mein hai. To, Fund B ka asset allocation aur top holdings concentration dono hi side hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Navi Mutual Fund Liquid Fund
₹867076.87
@6.9% 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 B ki 5Y return 6.11% hai, jabki Fund A ki 6.01% hai. To, Fund B better hai long-term returns ke liye.
Q2: Is the higher risk fund worth it?
Haan, Fund B ki volatility 0.13 hai, jo Fund A ki 0.11 se jyada hai. Lekin, Sharpe ratio bhi Fund B ki taraf hai. To, Fund B ismein bhi better hai.
Q3: Which fund is more cost-effective?
Fund B ka expense ratio 0.12% hai, jo Fund A ka 0.2% se kam hai. To, Fund B ismein bhi better 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