HDFC Liquid Fund vs Old Bridge 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%
Dekho, ab humein do funds ke beech meh comparison karna hai. Fund A HDFC Liquid Fund Direct Plan Growth hai, jabki Fund B Old Bridge Mutual Fund Large Cap Fund Direct Plan Growth hai. Is article meh humein yeh pata chalaunga ki in dono funds ke bich kya difference hai aur dono meh sip kaise karenge.
[VERDICT]| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.62 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.89 |
| Sharpe Ratio | 3 | 0.69 |
| 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% | 22% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B Old Bridge Mutual Fund Large Cap Fund Direct Plan Growth long-term wealth creation ke liye better hai. Iska reason hai ki 3Y return 14.7% hai, expense ratio 0.52% hai, aur riskometer Very High hai. Fund A HDFC Liquid Fund Direct Plan Growth ke 3Y return 6.83% hai, expense ratio 0.2% hai, aur riskometer Low hai. Haan, Fund B jyada risk lene ke liye taiyaar hai, lekin long-term return ke liye yeh fund better hai.
[SIP_SUITABILITY]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 Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.62 Lac Cr
- Sharpe Ratio: 0.69
📈 SIP Suitability
SIP ke liye Fund A HDFC Liquid Fund Direct Plan Growth better hai. Iska reason hai ki is fund ke 3Y return 6.83% hai aur 5Y return 6.01% hai, jo ki consistent returns hai. Fund B ke 1Y return -4.02% hai, jo ki consistent return nahi hai. Dekho, SIP ke liye Fund A better hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, expense ratio sabhi factors par dekha jaata hai. Fund A HDFC Liquid Fund Direct Plan Growth ke riskometer Low hai, volatility 0.11 hai, Sharpe ratio 3 hai, aur expense ratio 0.2% hai. Fund B ke riskometer Very High hai, volatility 11.89 hai, Sharpe ratio 0.69 hai, aur expense ratio 0.52% hai. Haan, Fund A risk-adjusted returns ke liye better hai.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Asset allocation aur top holdings par dekha jaata hai. Fund A HDFC Liquid Fund Direct Plan Growth ke 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% hai. Fund B ke asset allocation Equity 96.00%, T-Bills 4.00% hai. Haan, Fund A asset allocation ke liye better hai.
[FAQ]SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Old Bridge 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?
Ans. Fund B Old Bridge Mutual Fund Large Cap Fund Direct Plan Growth better returns deta hai. Iska reason hai ki 5Y return 12.03% hai, aur 3Y return 14.7% hai.
Q2: Is the higher risk fund worth it?
Ans. Nahi, Fund B ke riskometer Very High hai, jo ki SIP ke liye risk hai. Haalanki, Volatility aur Sharpe ratio ke liye Fund B better hai, lekin risk-adjusted returns ke liye Fund A better hai.
Q3: Which fund is more cost-effective?
Ans. Fund A HDFC Liquid Fund Direct Plan Growth expense ratio 0.2% hai, jo ki Fund B se kam hai. Haalanki, Fund B ke long-term returns Fund A se 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