HDFC Liquid Fund vs PPFAS 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, main aapko do aise mutual funds ki jaroorat hai jo aapke paiso ko majboot banaane mein madad kare. Fund A HDFC Liquid Fund hai jo Liquid category mein aata hai, jabki Fund B PPFAS Mutual Fund Large Cap Fund hai jo Large Cap category mein aata hai. Is article mein hum aapko pata karenge ki kis fund mein long-term wealth creation ke liye invest karna chahiye.
[VERDICT]| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.44 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.07 |
| Sharpe Ratio | 3 | 0.68 |
| 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) | Rajeev Thakkar (3.5 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% | 24% |
🤖 AI Verdict – Which is Better?
Haan, sach ye hai. Fund B ko large cap fund ke liye seekha jaata hai, lekin yeh fund aapke paise ko majboot banane mein madad kar sakta hai. Fund B ka 3Y return 14.7% hai, jiski tulna fund A se 8.84% adhik hai. Lekin, yeh fund ka expense ratio 0.52% hai, jo fund A ke expense ratio 0.2% se 2.32% adhik hai. Lekin, iske alawa, fund B ka riskometer Very High hai, jisski tulna fund A ka riskometer Low se bahut adhik hai. To, haan, Fund B aapke liye thoda jatil ho sakta 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 PPFAS Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.44 Lac Cr
- Sharpe Ratio: 0.68
📈 SIP Suitability
Chaliye, hum SIP ke liye kis fund ko aapke liye achi cheez banega. Fund B ka 1Y return -4.02% hai, jisse yeh fund aapke SIP ke liye achha option nahin banata hai. Lekin, 3Y return aur 5Y return ka darshana karte samay, Fund B ka return fund A se adhik hota hai.
[RISK_COST]⚠️ Risk & Cost Analysis
Haan, isme aapko pata chalna hoga ki kis fund mein aapko kam risk aur kam cost paya jata hai. Fund A ka riskometer Low hai, jisse yeh fund aapke liye kam risk ka hoga. Lekin, Fund A ka expense ratio 0.2% hai, jisse yeh fund aapke liye kam cost ka hoga. Fund B ka riskometer Very High hai, jisse yeh fund aapke liye jatil ho sakta hai, lekin yeh fund ka expense ratio 0.52% hai, jisse yeh fund aapke liye kam cost ka hoga.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Chaliye, hum do fundon ka portfolio diversification ka darshana karte hain. Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL mein hai. Fund B ka asset allocation equity aur T-Bills mein hai. Fund A ka asset allocation adhik diversified hai, lekin Fund B ka riskometer Very High hai, jisse yeh fund aapke liye jatil ho sakta hai.
[FAQ]SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
PPFAS 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?
Haan, Fund B ka 5Y return 12.03% hai, jo fund A ka 5Y return 6.01% se adhik hota hai. Lekin, Fund B ka riskometer Very High hai, jisse yeh fund aapke liye jatil ho sakta hai.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka volatility 12.07 hota hai, jo fund A ka volatility 0.11 se adhik hota hai. Lekin, Fund B ka Sharpe ratio 0.68 hota hai, jo fund A ka Sharpe ratio 3 se kam hota hai.
Q3: Which fund is more cost-effective?
Haan, Fund A ka expense ratio 0.2% hai, jo fund B ka expense ratio 0.52% se kam hota 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