HDFC Liquid Fund vs Old Bridge 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
1.9%
Chaliye, dekho, hum aaj do mutual funds ki pehchaan karne wale hain. Fund A HDFC Liquid Fund hai, jo Liquid category mein aata hai aur Fund B Old Bridge Mutual Fund Multi Cap Fund hai, jo Multi Cap category mein aata hai. Aaj hum dekhein ki donon funds mein kitna fund kiya hai, aur inki returns kaise hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BOld Bridge Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Old Bridge Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 8.38 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.89 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.85 |
| Sharpe Ratio | 3 | 1.82 |
| 1 Year Return (%) | 6.08% | -11.42% |
| 3 Year Return (%) | 6.83% | 1.9% |
| 5 Year Return (%) | 6.01% | 1.13% |
| Since Launch (%) | 34.46% | -11.2% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 6 November 2024 |
| 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% | 38% |
🤖 AI Verdict – Which is Better?
Haan, hum dekh rahe hain ki donon funds mein kitna fund kiya hai. Fund A ki 3Y return 6.83% hai, jo kitna accha hai. Expense ratio mein bhi Fund A kam hai, 0.2% hai. Aur riskometer mein bhi Fund A kam hai, Low hai. To, hum dekh rahe hain ki Fund A long-term mein better 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 1.9%
- AUM: 1.89 Lac Cr
- Sharpe Ratio: 1.82
📈 SIP Suitability
Lekin, SIP ke liye Fund B better hai. SIP ke liye 10+ saal ki zaroorat hoti hai, aur Fund B ki consistency aur return stability dono mein acchi hai. Fund A ki return stability thodi kam hai.
⚠️ Risk & Cost Analysis
Riskometer mein bhi Fund A kam hai, Low hai, aur Fund B ke riskometer Very High hai. Volatility mein bhi Fund A kam hai, 0.11 hai, aur Fund B ka volatility 13.85 hai. Sharpe ratio mein bhi Fund A kam hai, 3 hai, aur Fund B ka Sharpe ratio 1.82 hai. To, Fund A better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation mein Fund A kam diversified hai. Fund A ki asset allocation mein CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL dono hain, lekin Fund B ki asset allocation mein aise hi hai, lekin equity mein 97% fund kiya hai. To, Fund B ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Old Bridge Mutual Fund Multi Cap Fund
₹661259.80
@1.9% 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?
Answer sach ye hai ki Fund A ki 5Y return 6.01% hai, aur Fund B ki 5Y return 1.13% hai. To, Fund A better returns deta hai.
Q2: Is the higher risk fund worth it?
Answer sach ye hai ki Fund B ka volatility 13.85 hai, aur Fund A ka volatility 0.11 hai. Sharpe ratio mein bhi Fund A kam hai, 3 hai. To, Fund A better risk-adjusted returns deta hai.
Q3: Which fund is more cost-effective?
Answer sach ye hai ki Fund A ki expense ratio 0.2% hai, aur Fund B ki expense ratio 1.68% hai. To, Fund A more 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