HDFC Liquid Fund vs Quantum 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
6.56%
Dekho, aaj hum do Liquid Funds ke beech ki tulna karenge - HDFC Liquid Fund aur Quantum Mutual Fund Liquid Fund. Yeh tumhe pata chalega ki in dono funds ke categories aur performance ke beech kya farak hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BQuantum Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Quantum Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 37.04 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.34 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.11 |
| Sharpe Ratio | 3 | 0.55 |
| 1 Year Return (%) | 6.08% | 5.71% |
| 3 Year Return (%) | 6.83% | 6.56% |
| 5 Year Return (%) | 6.01% | 5.82% |
| Since Launch (%) | 34.46% | 6.72% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 9 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Atul Kumar (3.5 years yrs) |
| 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% | 231% |
🤖 AI Verdict – Which is Better?
Humari rochak hai ki Fund A (HDFC Liquid Fund) long-term wealth creation ke liye better hai. Yeh 3Y return, expense ratio, aur risk ke mukabale Fund B (Quantum Mutual Fund Liquid Fund) se better hai. Haan, expense ratio Fund B ki side hai, lekin 3Y return Fund A ki side hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Quantum Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.56%
- AUM: 4.34 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
Monthly SIP ke liye dono funds suitable hain, lekin Fund A consistency aur return stability ke mukabale Fund B se better hai. Fund A ki 3Y return 6.83% hai, jabki Fund B ki 6.56% hai. Chaliye, Fund A ki side hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke mukabale Fund A better risk-adjusted returns offer karta hai. Fund A ki riskometer Low hai, volatility 0.11 hai, aur Sharpe ratio 3 hai. Fund B ki riskometer bhi Low hai, lekin volatility aur Sharpe ratio Fund A ki side hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke mukabale Fund B ki portfolio diversification Fund A se better hai. Fund B ki asset allocation T-Bills, CD, CP, aur Cash mein hai, jo kaafi diversified hai. Fund A ki asset allocation CP, CD, T-Bills, aur Debenture mein hai, jismein T-Bills ki percentage choti hai. Sach ye hai, Fund B ki portfolio sector risk Fund A ki portfolio se kam hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Quantum Mutual Fund Liquid Fund
₹849400.65
@6.6% 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 based on 5Y/3Y returns, Fund A ke 5Y return 6.01% hai, jo Fund B ke 5.82% se better hai. Isliye, Fund A long run ke liye better hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio, Fund A ki volatility 0.11 hai, jo Fund B ki 0.11 se kam hai. Sharpe ratio ke mukabale Fund A ki Sharpe ratio 3 hai, jo Fund B ki 0.55 se better hai. Isliye, Fund A ki higher risk worth hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio, Fund B ki expense ratio 0.12% hai, jo Fund A ki 0.2% se kam hai. Isliye, Fund B 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