HDFC Liquid Fund vs Nippon India Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.96%
Aapke paas do liquid funds hain - HDFC Liquid Fund aur Nippon India Liquid Fund. Yeh dono funds low-risk category mein hain. Yeh jankari ke liye aap yeh analysis padh sakte hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BNippon India Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Nippon India |
| Category | Liquid | Liquid |
| NAV (₹) | 5466.12 | 6813.87 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.79 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.2% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 3.83 |
| 1 Year Return (%) | 6.08% | 6.21% |
| 3 Year Return (%) | 6.83% | 6.96% |
| 5 Year Return (%) | 6.01% | 6.14% |
| Since Launch (%) | 34.46% | 6.87% |
| 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) | Amber Singhania; Kinjal Desai; Vikash Agarwal (1.7 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%) | Reserve Bank of India (3.31%), Reserve Bank of India (3.04%), National Bank For Agriculture & Rural Development (1.96%) |
| 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% | CP: 50.93% | CD: 33.36% | T-Bills: 12.23% | Debenture: 0.79% | SDL: 0.12% | Debt: 0.08% |
| Portfolio Turnover | 203% | 260% |
🤖 AI Verdict – Which is Better?
HDFC Liquid Fund aur Nippon India Liquid Fund dono mein se Nippon India Liquid Fund 3Y return ke liye better hai, lekin expense ratio ke liye HDFC Liquid Fund better hai. Riskometer bhi dono mein low hai, lekin Nippon India Liquid Fund volatility ke liye better hai. Isliye, Nippon India Liquid 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 Nippon India Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.96%
- AUM: 3.79 Lac Cr
- Sharpe Ratio: 3.83
📈 SIP Suitability
Nippon India Liquid Fund 3Y return ke liye consistent hai aur HDFC Liquid Fund expense ratio ke liye better hai. Isliye, Nippon India Liquid Fund monthly SIP ke liye better hai, lekin HDFC Liquid Fund long-term stability ke liye better hai. Yeh aapke investment needs par depend karta hai.
⚠️ Risk & Cost Analysis
Nippon India Liquid Fund volatility ke liye lower hai aur Sharpe ratio ke liye better hai. HDFC Liquid Fund expense ratio ke liye lower hai, lekin Nippon India Liquid Fund risk-adjusted returns ke liye better hai. Isliye, Nippon India Liquid Fund better risk-adjusted returns deta hai.
📊 Portfolio Diversification
HDFC Liquid Fund aur Nippon India Liquid Fund dono mein asset allocation mein similarities hain, lekin HDFC Liquid Fund CP aur CD mein jyada investment karta hai. Nippon India Liquid Fund T-Bills mein jyada investment karta hai, lekin HDFC Liquid Fund Reserve Bank of India mein jyada investment karta hai. Isliye, HDFC Liquid Fund asset allocation mein jyada diversified hai.
Q1: Which fund gives better returns in the long run?
Nippon India Liquid Fund 3Y return ke liye better hai, lekin HDFC Liquid Fund 5Y return ke liye better hai. Isliye, long-term returns ke liye HDFC Liquid Fund better hai.
Q2: Is the higher risk fund worth it?
Nippon India Liquid Fund volatility ke liye lower hai aur Sharpe ratio ke liye better hai. Isliye, yeh fund risk-adjusted returns ke liye better hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund expense ratio ke liye lower hai, lekin Nippon India Liquid Fund Sharpe ratio ke liye better hai. Isliye, HDFC Liquid Fund cost-effective hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Nippon India Liquid Fund
₹868530.05
@7.0% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
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