HDFC Liquid Fund vs SBI Contra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
16.36%
dekho, aaj hum do fundon ke beech ka mukhya antar jaanne ja rahe hain. Fund A HDFC Liquid Fund hai jiska category Liquid hai aur yeh fund aamtaur par beech ka samay ke liye invest karti hai. Fund B SBI Contra Fund hai jiska category Multi Cap hai aur yeh fund beech ka samay aur aage ka samay ke like invest karti hai. aaj hum is 2 fundon ke beech ki tarah karne wali bat jaanne ja rahe hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI Contra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 408.51 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.74 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.72% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.7 |
| Sharpe Ratio | 3 | 0.72 |
| 1 Year Return (%) | 6.08% | -1.21% |
| 3 Year Return (%) | 6.83% | 16.36% |
| 5 Year Return (%) | 6.01% | 18.26% |
| Since Launch (%) | 34.46% | 15.48% |
| 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) | Dinesh Balachandran; Pradeep Kesavan (8.1 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. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) |
| 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: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% |
| Portfolio Turnover | 203% | 130% |
🤖 AI Verdict – Which is Better?
haan, sabse pehle hum 3Y return, expense ratio aur risk ke kareeb karte hain. jis fund ne 3Y return mein zyada return diya ho aur expense ratio kam ho, ve fund behtar hai. Fund B ne 3Y return mein 16.36% return diya hai aur expense ratio 0.72% hai, jabki Fund A ne 6.83% return diya hai aur expense ratio 0.2% hai. lekin Fund B ka riskometer Very High hai, jiska matlab hai ki yeh fund zyada jokhimna hai. isliye, hum apne parivar ke liye Fund A ko behtar fund maante hain.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
📈 SIP Suitability
kya aap 10+ saal ke liye regular SIP karne ke liye yeh fund sunishchit hain? Fund A ki consistency aur return stability ko dekhte hain. Fund A ki 1Y aur 5Y return thodi kam hai, lekin yeh fund aamtaur par beech ka samay ke liye invest karta hai. Fund B ki 1Y return kam hai, lekin yeh fund beech ka samay aur aage ka samay ke like invest karta hai. isliye, hum Fund A ko behtar fund maante hain regular SIP ke liye.
⚠️ Risk & Cost Analysis
kya aap riskometer, volatility, Sharpe ratio, aur expense ratio ko compare karne ke liye taiyar hain? Fund B ka riskometer Very High hai aur volatility 13.7 hai, jabki Fund A ka riskometer Low hai aur volatility 0.11 hai. Fund B ke Sharpe ratio 0.72 hai, jabki Fund A ke Sharpe ratio 3 hai. expense ratio ke kareeb hokar dekhte hain, Fund B ka expense ratio 0.72% hai aur Fund A ka expense ratio 0.2% hai. isliye, Fund A apne risk-adjusted returns ke kareeb aadharit hai.
📊 Portfolio Diversification
kya aap asset allocation aur top holdings concentration ko compare karne ke liye taiyar hain? Fund A ki asset allocation mein CP 47.67%, CD 31.92%, aur T-Bills 19.85% hai. Fund B ki asset allocation mein Equity 81.12% hai. Fund A ki top holdings Reserve Bank of India 5.23%, 4.44%, aur 3.79% hai. Fund B ki top holdings HDFC Bank Ltd. 6.59%, Reliance Industries Ltd. 5.35%, aur Biocon Ltd. 3.04% hai. isliye, Fund A ki asset allocation aur top holdings concentration Fund B ke compare kareeb hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI Contra Fund
₹1516047.14
@16.4% 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 ne 5Y aur 3Y return mein zyada return diya hai, lekin yeh fund Very High riskometer hai. Fund A ki consistency aur return stability Fund B ke compare kareeb hai.
Q2: Is the higher risk fund worth it?
nahi, yeh fund apne risk-adjusted returns ke kareeb nahi hai. Fund A apne risk-adjusted returns ke kareeb aadharit hai.
Q3: Which fund is more cost-effective?
sach ye hai ki Fund A ki expense ratio Fund B ke compare kam hai (0.2% vs 0.72%). isliye, Fund A apne expense ratio ke kareeb aadharit 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