HDFC Liquid Fund vs SBI ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
19.98%
Dekho, aap donon funds kya hain aur unki comparison kya hoga. Aaj hum HDFC Liquid Fund aur SBI ELSS Tax Saver Fund ki comparison karenge aur janne ke liye kya aur kaise dekhoinge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | ELSS |
| NAV (₹) | 5466.12 | 462.73 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.11 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.93% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 15.53 |
| Sharpe Ratio | 3 | 0.87 |
| 1 Year Return (%) | 6.08% | -1.1% |
| 3 Year Return (%) | 6.83% | 19.98% |
| 5 Year Return (%) | 6.01% | 17.91% |
| Since Launch (%) | 34.46% | 15.42% |
| 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) | Milind Agrawal (0.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), Kotak Mahindra Bank 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: 96.05% | T-Bills: 0.12% |
| Portfolio Turnover | 203% | 37% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term wealth creation ke liye humko 3Y return, expense ratio aur risk ka dhyan rakhna hoga. Haan, donon funds ki comparison karte hue, humko lagta hai ki HDFC Liquid Fund better option hai, lekin yeh depend karta hai aapke investment goals aur risk appetite par.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider SBI ELSS Tax Saver Fund?
- Expense ratio: 0.93%
- 3Y return: 19.98%
- AUM: 3.11 Lac Cr
- Sharpe Ratio: 0.87
📈 SIP Suitability
SIP ke liye donon funds ki comparison karte hue, hum dekhte hain ki HDFC Liquid Fund ka 3Y return 6.83% hai, jabki SBI ELSS Tax Saver Fund ka 3Y return 19.98% hai. Chaliye, SIP ke liye SBI ELSS Tax Saver Fund better hoga, lekin yeh depend karta hai aapke risk appetite aur investment goals par.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison karte hue, hum dekhte hain ki HDFC Liquid Fund ka riskometer low hai, jabki SBI ELSS Tax Saver Fund ka riskometer very high hai. Lekin, HDFC Liquid Fund ka volatility 0.11 hai, jabki SBI ELSS Tax Saver Fund ka volatility 15.53 hai. Sharpe ratio ke liye, HDFC Liquid Fund ka sharpe ratio 3 hai, jabki SBI ELSS Tax Saver Fund ka sharpe ratio 0.87 hai. Expense ratio ka liye, HDFC Liquid Fund ka expense ratio 0.2% hai, jabki SBI ELSS Tax Saver Fund ka expense ratio 0.93% hai. Sach ye hai, HDFC Liquid Fund better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ka comparison karte hue, hum dekhte hain ki HDFC Liquid Fund ka asset allocation CP (47.67%), CD (31.92%), T-Bills (19.85%), aur Debenture (2.05%) mein hai, jabki SBI ELSS Tax Saver Fund ka asset allocation Equity (96.05%) aur T-Bills (0.12%) mein hai. Top holdings concentration ka liye, HDFC Liquid Fund ka top 3 holdings Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), aur Reserve Bank of India (3.79%) mein hai, jabki SBI ELSS Tax Saver Fund ka top 3 holdings ICICI Bank Ltd. (8.95%), Reliance Industries Ltd. (5.19%), aur Kotak Mahindra Bank Ltd. (4.9%) mein hai. Sach ye hai, HDFC Liquid Fund ka asset allocation aur top holdings concentration ke liye adhik diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI ELSS Tax Saver Fund
₹1909339.14
@20.0% 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, long-term returns ke liye SBI ELSS Tax Saver Fund ka 5Y return 17.91% hai, jabki HDFC Liquid Fund ka 5Y return 6.01% hai. Lekin, yeh depend karta hai aapke investment goals aur risk appetite par.
Q2: Is the higher risk fund worth it?
Sach ye hai, higher risk fund ke liye SBI ELSS Tax Saver Fund ka volatility 15.53 hai, jabki HDFC Liquid Fund ka volatility 0.11 hai. Sharpe ratio ke liye, HDFC Liquid Fund ka sharpe ratio 3 hai, jabki SBI ELSS Tax Saver Fund ka sharpe ratio 0.87 hai. Yeh depend karta hai aapke risk appetite aur investment goals par.
Q3: Which fund is more cost-effective?
Sach ye hai, expense ratio ke liye HDFC Liquid Fund ka expense ratio 0.2% hai, jabki SBI ELSS Tax Saver Fund ka expense ratio 0.93% hai. Yeh depend karta hai aapke investment goals aur risk appetite par.
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