HDFC Liquid Fund vs SBI Focused Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
18.13%
Aapki zaroorat ke liye humare paas do aise funds hain jo kisi bhi investor ke liye vishesh roop se lage hain. Fund A HDFC Liquid Fund hai, jiska Category Liquid hai, aur Fund B SBI Focused Fund hai, jiska Category Multi Cap hai. Is article mein hum aapko fundon ki comparison karenge aur samajhne ke liye kuch mukhya points hain.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI Focused Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 432.21 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.60 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.47% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 13.25 |
| Sharpe Ratio | 3 | 0.88 |
| 1 Year Return (%) | 6.08% | 12.11% |
| 3 Year Return (%) | 6.83% | 18.13% |
| 5 Year Return (%) | 6.01% | 15.02% |
| Since Launch (%) | 34.46% | 15.63% |
| 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) | Pradeep Kesavan; Rama Iyer Srinivasan (17.0 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%) | Alphabet Inc Class A (11.14%), State Bank of India (6.96%), ICICI Bank Ltd. (6.59%) |
| 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: 76.29% | Forgn. Eq: 14.88% | Debenture: 0.74% | T-Bills: 0.16% |
| Portfolio Turnover | 203% | 45% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye hamara verdict hai ki Fund B SBI Focused Fund better hai. Iska 3Y return 18.13% hai, jo Fund A ki 6.83% se behtar hai. Expense ratio mein bhi Fund B kam hai, jo 1.47% hai. Lekin Fund B ka riskometer Very High hai, jiska matlab hai ki yeh risk mein bhi hai. Isliye, agar aap risk le sakte hain, toh Fund B ek accha chunav hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider SBI Focused Fund?
- Expense ratio: 1.47%
- 3Y return: 18.13%
- AUM: 4.60 Lac Cr
- Sharpe Ratio: 0.88
📈 SIP Suitability
Monthly SIP ke liye hamara verdict hai ki Fund A HDFC Liquid Fund better hai. Iska consistency aur return stability Fund B ke liye kam hai. Fund A ka 1Y return 6.08% hai, jo Fund B ki 12.11% se kam hai, lekin yeh fund liquid category ka hai, jiska matlab hai ki yeh daily aur monthly SIP ke liye vishesh roop se lagega hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye hamara analysis hai ki Fund A HDFC Liquid Fund better hai. Fund A ka riskometer Low hai, jiska matlab hai ki yeh risk mein kam hai. Volatility mein bhi Fund A kam hai, jo 0.11 hai. Sharpe ratio bhi Fund A ka behtar hai, jo 3 hai. Lekin expense ratio mein Fund B kam hai, jo 1.47% hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hamara analysis hai ki Fund B SBI Focused Fund better hai. Fund B ka asset allocation mein Equity 76.29% hai, jo Fund A ki 47.67% se behtar hai. Top holdings concentration mein bhi Fund B behtar hai, jo Alphabet Inc Class A 11.14% hai. Lekin Fund B ka riskometer Very High hai, jiska matlab hai ki yeh sector risk mein hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI Focused Fund
₹1695258.29
@18.1% 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 ke 5Y return 15.02% hai, jo Fund A ki 6.01% se behtar hai. Isliye, Fund B long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ke liye hamara analysis hai ki Fund B kam hai, jo 13.25 hai. Lekin Sharpe ratio mein Fund B behtar hai, jo 0.88 hai. Isliye, agar aap risk le sakte hain, toh Fund B ek accha chunav hai.
Q3: Which fund is more cost-effective?
Expense ratio ke liye hamara analysis hai ki Fund A HDFC Liquid Fund kam hai, jo 0.2% hai. Lekin Fund B ka expense ratio 1.47% hai. Isliye, Fund A 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