HDFC Liquid Fund vs SBI Blue Chip Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
31.25%
Aapko yahaan do funds ke bare mein pata chalega: HDFC Liquid Fund aur SBI Blue Chip Fund. Sabse pehle, hum fund A aur fund B ka category dekhenge, aur phir hum iske baad ke content mein fund A aur fund B ke comparison ko dekhenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI Blue Chip Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 101.68 |
| AUM (₹ Cr) | 7.29 Lac Cr | 5.35 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.79% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.35 |
| Sharpe Ratio | 3 | 2.18 |
| 1 Year Return (%) | 6.08% | 9.84% |
| 3 Year Return (%) | 6.83% | 31.25% |
| 5 Year Return (%) | 6.01% | 25.25% |
| Since Launch (%) | 34.46% | 12.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Pradeep Kesavan; Saurabh Pant (2.5 years yrs) |
| Benchmark | NIFTY Liquid Index | BSE 100 Total Return Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (8.73%), ICICI Bank Ltd. (7.76%), Reliance Industries Ltd. (6.56%) |
| 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: 97.26% | T-Bills: 0.78% |
| Portfolio Turnover | 203% | 8% |
🤖 AI Verdict – Which is Better?
Sach ye hai ki aapka puraani nivesh ke liye fund A acha hoga kyunki iska 3Y return 6.83% hai, jo ki fund B ki 3Y return 31.25% se kam hai. Lekin aapka riskometer fund B ke liye very high hai, jisse aapko risk ka samna karna padega. Isliye, hamara verdict hai ki fund A acha hoga.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider SBI Blue Chip Fund?
- Expense ratio: 0.79%
- 3Y return: 31.25%
- AUM: 5.35 Lac Cr
- Sharpe Ratio: 2.18
📈 SIP Suitability
SIP ke liye fund A acha hoga kyunki iska 3Y return fund B ki 3Y return se kam hai, aur iska riskometer fund B ki riskometer se kam hai. Dekho, fund A ka 3Y return 6.83% hai, jabki fund B ka 3Y return 31.25% hai. Iske alawa, fund A ka expense ratio 0.2% hai, jo ki fund B ki expense ratio 0.79% se kam hai.
⚠️ Risk & Cost Analysis
Fund A ka riskometer low hai, jisse aapko kam risk ka samna karna padega. Iske alawa, fund A ka volatility 0.11 hai, jo ki fund B ki volatility 11.35 se kam hai. Sharpe ratio ka dhyan rakhenge, to fund A ka Sharpe ratio fund B ki Sharpe ratio se jyada hai. Iske alawa, fund A ka expense ratio fund B ki expense ratio se kam hai.
📊 Portfolio Diversification
Fund A ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt aur SDL mein hain. Iske alawa, fund A ka top holdings Reserve Bank of India mein hain. Fund B ka asset allocation Equity aur T-Bills mein hain. Iske alawa, fund B ka top holdings HDFC Bank Ltd., ICICI Bank Ltd. aur Reliance Industries Ltd. mein hain. Dekho, fund A ka asset allocation fund B ki asset allocation se jyada diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI Blue Chip Fund
₹4110903.05
@31.3% 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 A ka 5Y return 6.01% hai, jabki fund B ka 5Y return 25.25% hai. Isliye, fund B aapke long-run returns mein acha hoga.
Q2: Is the higher risk fund worth it?
Sach ye hai ki fund B ka volatility 11.35 hai, jabki fund A ka volatility 0.11 hai. Iske alawa, fund B ka Sharpe ratio fund A ka Sharpe ratio se kam hai. Isliye, fund B ka higher risk fund worth nahi hai.
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 0.79% hai. Isliye, fund A aapke liye cost-effective hoga.
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