HDFC Liquid Fund vs Navi Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
20.86%
HDFC Liquid Fund aur Navi Mutual Fund Multi Cap Fund dono hi different categories mein hain, lekin kya aapko pata hai ki in dono ke beech mein kya antar hai? Is article mein hum aapko in dono funds ki tulna karenge aur aapko batayenge ki kis fund mein long-term wealth creation ke liye invest karna chahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNavi Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 19.01 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.81 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15 |
| Sharpe Ratio | 3 | 0.96 |
| 1 Year Return (%) | 6.08% | 5.23% |
| 3 Year Return (%) | 6.83% | 20.86% |
| 5 Year Return (%) | 6.01% | 11.52% |
| Since Launch (%) | 34.46% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 February 2023 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Gopal Agrawal; Atul Zabhade (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 Multicap 50:25:25 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) |
| 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 203% | 52% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, 3Y return, expense ratio, aur risk ka factor dekha jata hai. Fund B, Navi Mutual Fund Multi Cap Fund, 3Y return mein 20.86% ka return dete hue very high riskometer par hai, lekin iska expense ratio 1.68% hai, jo Fund A ke expense ratio 0.2% se adhik hai. Haan, Fund B ka 1Y return 5.23% hai, jo Fund A ka 1Y return 6.08% se kam hai. Lekin, Fund A ka 5Y return 6.01% hai, jo Fund B ka 5Y return 11.52% se kam hai. Isliye, hamara verdict hai ki Fund B, Navi Mutual Fund Multi Cap Fund, long-term wealth creation ke liye better 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.81 Lac Cr
- Sharpe Ratio: 0.96
📈 SIP Suitability
Monthly SIP ke liye, Fund A aur Fund B dono hi suitable hain, lekin Fund A ka 3Y return aur expense ratio fund B se kam hai. Fund A ka 1Y return aur 5Y return bhi Fund B se kam hai, lekin iska riskometer Fund B ki tulna mein bahut kam hai. Haan, Fund B ka 1Y return 5.23% hai, jo Fund A ka 1Y return 6.08% se kam hai, lekin Fund B ka 3Y return aur 5Y return Fund A se adhik hai. Isliye, Fund A monthly SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte huye, Fund B ka riskometer very high hai, lekin Fund A ka riskometer low hai. Fund B ka volatility 15 hai, jo Fund A ka volatility 0.11 se adhik hai, lekin Fund A ka Sharpe ratio 3 hai, jo Fund B ka Sharpe ratio 0.96 se adhik hai. Haan, Fund B ka expense ratio 1.68% hai, jo Fund A ka expense ratio 0.2% se adhik hai. Isliye, Fund B better risk-adjusted returns deti hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte huye, Fund A ka asset allocation dono mein hain, lekin Fund A ka asset allocation Fund B se adhik diversified hai. Fund A ka top 3 holdings Reserve Bank of India hai, Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Fund A ka top holdings concentration Fund B se kam hai. Isliye, Fund A portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Navi Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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?
Fund B, Navi Mutual Fund Multi Cap Fund, 3Y aur 5Y return mein Fund A, HDFC Liquid Fund, se adhik returns dete hai. Isliye, Fund B long run mein better fund hai.
Q2: Is the higher risk fund worth it?
Fund B ka riskometer very high hai, lekin Fund A ka Sharpe ratio Fund B ka Sharpe ratio se adhik hai. Isliye, Fund B ki higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Fund A ka expense ratio 0.2% hai, jo Fund B ka expense ratio 1.68% se kam hai. Isliye, Fund A more cost-effective fund 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