HDFC Liquid Fund vs Quantum 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
7.98%
Dekho, aaj hum do alag-alag types ke mutual funds ke beech ka comparison karne ja rhe hain. Fund A HDFC Liquid Fund hai, jo liquid category mein aata hai, jabki Fund B Quantum Mutual Fund Multi Cap Fund hai, jo multi cap category mein aata hai. Aaj hum aapko batayenge ki kis fund mein invest karne se aapko better returns milege.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BQuantum Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Quantum Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 8.38 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.73 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.65 |
| Sharpe Ratio | 3 | 0.27 |
| 1 Year Return (%) | 6.08% | -11.42% |
| 3 Year Return (%) | 6.83% | 7.98% |
| 5 Year Return (%) | 6.01% | 4.71% |
| 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) | Atul Kumar (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% | 35% |
🤖 AI Verdict – Which is Better?
Chaliye aapko batate hain ki kis fund mein invest karne se aapko better returns milege. Dekho, 3Y return mein Fund B 7.98% ka return deta hai, jabki Fund A 6.83% ka return deta hai. Lekin expense ratio mein bhi Fund B 1.68% ka expense ratio rakhta hai, jabki Fund A 0.2% ka expense ratio rakhta hai. Isliye, hum chahein ke Fund A better fund 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 Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 7.98%
- AUM: 1.73 Lac Cr
- Sharpe Ratio: 0.27
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye kis fund better hai? Dekho, Fund A ka 1Y return 6.08% hai, jabki Fund B ka 1Y return -11.42% hai. Isliye, Fund A better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Riskometer mein Fund A low riskometer rakhta hai, jabki Fund B very high riskometer rakhta hai. Lekin volatility mein bhi Fund B 13.65% ka volatility rakhta hai, jabki Fund A 0.11% ka volatility rakhta hai. Isliye, Fund A better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Asset allocation ke liye dekho, Fund A mein CP 47.67%, CD 31.92%, T-Bills 19.85%, Debenture 2.05%, Bonds/NCD 0.13%, Debt 0.06%, SDL 0.04% hai. Fund B mein equity 97.00%, T-Bills 3.00% hai. Isliye, Fund A better hai asset allocation ke liye.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Quantum Mutual Fund Multi Cap Fund
₹919786.47
@8.0% 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 ka 5Y return 4.71% hai, jabki Fund A ka 5Y return 6.01% hai. Isliye, Fund A better hai long run ke liye.
Q2: Is the higher risk fund worth it?
Nahin, Fund B ka volatility 13.65% hai, jabki Fund A ka volatility 0.11% hai. Isliye, Fund A better hai risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio 0.2% hai, jabki Fund B ka expense ratio 1.68% hai. Isliye, Fund A better hai cost-effectiveness ke liye.
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