HDFC Liquid Fund vs Old Bridge 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%
Agar aap ek liquid fund mein invest kar rahe hain toh aapko yah jaanne ke liye aaj ka article achha lagega. Dekho hum aapko Fund A - HDFC Liquid Fund aur Fund B - Old Bridge Mutual Fund Liquid Fund ke beech ka comparison karne wala hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.73 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 3.58 |
| 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% | 239% |
🤖 AI Verdict – Which is Better?
Chaliye fund B - Old Bridge Mutual Fund Liquid Fund ko long-term wealth creation ke liye better fund maante hain. Iska karan hai 3Y return, expense ratio, aur riskometer ka. Fund B ka 3Y return 6.93% hai, jo ki Fund A se 0.10% upar hai. Iske alawa, Fund B ka expense ratio 0.12% hai, jo ki Fund A ka 0.2% se kam hai. Riskometer ka bhi Fund B ki or hain.
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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Ek monthly SIP ke liye Fund B - Old Bridge Mutual Fund Liquid Fund better fund hai. Iska karan hai ki iska consistency aur return stability Fund A ke mukable hai. Fund B ka 1Y return 6.17% hai, jo ki Fund A ka 6.08% se upar hai. Iske alawa, Fund B ka volatility 0.12 hai, jo ki Fund A ka 0.11 se kam hai.
⚠️ Risk & Cost Analysis
Ab hum fund B - Old Bridge Mutual Fund Liquid Fund aur Fund A - HDFC Liquid Fund ka riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karne wale hain. Fund B ka Sharpe ratio 3.58 hai, jo ki Fund A ka 3 se upar hai. Iske alawa, Fund B ka riskometer aur volatility Fund A ke mukable hai. Fund B ka expense ratio 0.12% hai, jo ki Fund A ka 0.2% se kam hai.
📊 Portfolio Diversification
Ab hum fund B - Old Bridge Mutual Fund Liquid Fund aur Fund A - HDFC Liquid Fund ka asset allocation aur top holdings concentration ka comparison karne wale hain. Fund B ka asset allocation T-Bills, CD, aur CP mein hai, jo ki Fund A ka asset allocation CP, CD, aur T-Bills mein se kam hai. Iske alawa, Fund B ka top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai, jo ki Fund A ka top holdings concentration Reserve Bank of India mein se kam hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Old Bridge 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 - Old Bridge Mutual Fund Liquid Fund 5Y return mein Fund A - HDFC Liquid Fund se upar hai. Fund B ka 5Y return 6.11% hai, jo ki Fund A ka 6.01% se upar hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B - Old Bridge Mutual Fund Liquid Fund ko higher risk fund maante hain lekin yah fund volatility aur Sharpe ratio ke liye upar hai. Fund B ka volatility 0.12 hai, jo ki Fund A ka 0.11 se upar hai. Iske alawa, Fund B ka Sharpe ratio 3.58 hai, jo ki Fund A ka 3 se upar hai.
Q3: Which fund is more cost-effective?
Haan, Fund B - Old Bridge Mutual Fund Liquid Fund cost-effective hai. Fund B ka expense ratio 0.12% hai, jo ki Fund A ka 0.2% se kam 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