HDFC Liquid Fund vs Old Bridge Mutual Fund Balanced Advantage Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
12.3%
Chaliye, dekho, ye do funds ke bare mein jaane ke liye. Fund A HDFC Liquid Fund hai, jo liquid category mein aata hai, jabki Fund B Old Bridge Mutual Fund Balanced Advantage Fund hai, jo balanced hybrid category mein aata hai. Ye article mein hum log dono funds ke beech ki comparison karenge, taki aapko pata chale ki kis fund mein invest karna chahiye.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Balanced Advantage Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Balanced Hybrid |
| NAV (₹) | 5466.12 | 16.39 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.58 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.78% |
| Riskometer | Low | Moderately High |
| Volatility | 0.11 | 9.11 |
| Sharpe Ratio | 3 | 0.64 |
| 1 Year Return (%) | 6.08% | 3.08% |
| 3 Year Return (%) | 6.83% | 12.3% |
| 5 Year Return (%) | 6.01% | 5.27% |
| Since Launch (%) | 34.46% | 10.94% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 7 September 2021 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Gopal Agrawal; Srinivasan Ramamurthy (5.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 Hybrid Composite Debt 65:35 Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (6.8%), ICICI Bank Ltd. (5.5%), Reliance Industries Ltd. (4.5%) |
| 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: 65.00% | Debt: 30.00% | T-Bills: 5.00% |
| Portfolio Turnover | 203% | 145% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B Old Bridge Mutual Fund Balanced Advantage Fund aapke long-term wealth creation ke liye behtar hai. Iska 3Y return 12.3% hai, jo Fund A ke 6.83% se adhik hai. Lekin, expense ratio bhi thoda jyada hai, 0.78% hai. Lekin, riskometer ka dhyan rakhna zaroori hai, jo Moderately High hai. Haan, Fund A ka riskometer Low hai, lekin return bhi kam hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Old Bridge Mutual Fund Balanced Advantage Fund?
- Expense ratio: 0.78%
- 3Y return: 12.3%
- AUM: 1.58 Lac Cr
- Sharpe Ratio: 0.64
📈 SIP Suitability
SIP ke liye Fund A thoda behtar hai. Iska 3Y return Fund B se kam hai, lekin expense ratio bhi kam hai, 0.2% hai. Lekin, volatility bhi kam hai, 0.11 hai. Isliye, SIP ke liye Fund A thoda behtar hai. Dekho, Fund B ka volatility 9.11 hai, jo Fund A se kam hai.
⚠️ Risk & Cost Analysis
Riskometer ka dhyan rakhna zaroori hai. Fund A ka riskometer Low hai, jabki Fund B ka Moderately High hai. Lekin, Sharpe ratio bhi kaafi zaroori hai. Fund A ka Sharpe ratio 3 hai, jo Fund B ka 0.64 se adhik hai. Isliye, risk-ajit returns ke liye Fund A behtar hai. Lekin, expense ratio bhi thoda jyada hai, 0.2% hai.
📊 Portfolio Diversification
Asset allocation ka dhyan rakhna zaroori hai. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, SDL ke beech se hai, jabki Fund B ka asset allocation Equity, Debt, T-Bills ke beech se hai. Isliye, Fund B ka asset allocation thoda jyada diversified hai. Haan, top holdings concentration bhi kaafi zaroori hai. Fund A ka top 3 holdings Reserve Bank of India, Reserve Bank of India, Reserve Bank of India ke beech se hai, jabki Fund B ka top 3 holdings HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd. ke beech se hai. Isliye, Fund B ka top holdings concentration thoda jyada hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Old Bridge Mutual Fund Balanced Advantage Fund
₹1182670.66
@12.3% 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, Fund B Old Bridge Mutual Fund Balanced Advantage Fund aapke long-term wealth creation ke liye behtar hai. Iska 3Y return 12.3% hai, jo Fund A ke 6.83% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka riskometer Moderately High hai, lekin Sharpe ratio bhi kaafi zaroori hai. Fund A ka Sharpe ratio 3 hai, jo Fund B ka 0.64 se adhik hai. Isliye, risk-ajit returns ke liye Fund A behtar hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A HDFC Liquid Fund expense ratio se behtar hai, 0.2% hai. Isliye, Fund A 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