HDFC Liquid Fund vs PPFAS 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
20.86%
Chaliye dekho, hum aaj do funds ke beech mein compare kar rahe hain. Fund A HDFC Liquid Fund hai, jo Liquid category mein aata hai. Fund B PPFAS Mutual Fund Multi Cap Fund hai, jo Multi Cap category mein aata hai. Aaj hum yeh jaanne ke liye hain ki kis fund mein invest karna achha hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BPPFAS Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | PPFAS Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 19.01 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.1 |
| Sharpe Ratio | 3 | 1.02 |
| 1 Year Return (%) | 6.08% | 5.23% |
| 3 Year Return (%) | 6.83% | 20.86% |
| 5 Year Return (%) | 6.01% | 14.84% |
| Since Launch (%) | 34.46% | 21.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 February 2023 |
| 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 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% | 41% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B PPFAS Mutual Fund Multi Cap Fund hai, jo long-term wealth creation ke liye better hai. Yeh 3Y return mein se sabse accha hai, expense ratio kam hai, aur riskometer High hai. Lekin, fund A ki stability aur consistency ka dhyan rakho, khaaskar SIP ke liye.
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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 20.86%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 1.02
📈 SIP Suitability
Haan, SIP ke liye Fund A HDFC Liquid Fund better hai. Yeh 10+ years ke liye consistent return deta hai, aur volatility kam hai. Fund B ka 3Y return bahut accha hai, lekin volatility kam hai, jisse SIP ke liye stable return nahi milta.
⚠️ Risk & Cost Analysis
Volatility aur Sharpe ratio ke hisab se dekha jaata hai ki kis fund mein risk-adjusted return better hai. Fund A ki volatility 0.11 hai, aur Sharpe ratio 3 hai, jo Fund B se kam hai. Lekin, expense ratio ke hisab se Fund A kam cost hai.
📊 Portfolio Diversification
Asset allocation ke hisab se dekha jaata hai ki kis fund mein portfolio diversification better hai. Fund A ki asset allocation mein CP, CD, T-Bills, aur Debenture shaamil hain, jisse portfolio diversification better hai. Fund B ka asset allocation mein Equity 97% hai, jisse sector risk bahut jyaada hai. Top holdings concentration ke hisab se bhi Fund A better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
PPFAS Mutual Fund Multi Cap Fund
₹2021967.48
@20.9% 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, Fund B ki 5Y aur 3Y return bahut acchi hai, lekin Fund A ki stability aur consistency ka dhyan rakho.
Q2: Is the higher risk fund worth it?
Haan, Fund B ka higher risk fund worth hai, lekin volatility aur Sharpe ratio ke hisab se dekha jaata hai ki kis fund mein risk-adjusted return better hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A HDFC Liquid Fund kam expense ratio wala fund hai, jisse investment cost 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