HDFC Liquid Fund vs SBI Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.89%
Hum aaj do Liquid Funds, HDFC Liquid Fund aur SBI Liquid Fund ko dekhege. Ye duniya ka sabse seekha hua investment fund category hai, jisse tumhaare paise ko safety aur stability ke saath invest kar sakte ho. Hum dekhege ki dono funds mein kya chhote-bade difference hain aur kis fund ki aapko invest karne ki zaroorat hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Liquid |
| NAV (₹) | 5466.12 | 4351.16 |
| AUM (₹ Cr) | 7.29 Lac Cr | 7.12 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.12 |
| Sharpe Ratio | 3 | 3.25 |
| 1 Year Return (%) | 6.08% | 6.15% |
| 3 Year Return (%) | 6.83% | 6.89% |
| 5 Year Return (%) | 6.01% | 6.09% |
| Since Launch (%) | 34.46% | 6.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| 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% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 203% | 260% |
🤖 AI Verdict – Which is Better?
Sach ye hai, SBI Liquid Fund kafi achha hai long-term wealth creation ke liye. Iska 3Y return 6.89% hai, jo HDFC Liquid Fund ka 6.83% se zyada hai. Lekin, dono funds ki expense ratio low hai, jisse koi bhi choice theek hai. Haan, SBI Liquid Fund ka Sharpe ratio 3.25 hai, jo HDFC Liquid Fund ka 3 se zyada hai. Dekho, yeh sab baatien aapko fund ki performance ko dekhne ki zaroorat padegi.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
📈 SIP Suitability
SIP Suitability ke liye, hum aapko kisi bhi fund ko invest karne ki salah nahi de sakte, lekin hum de sakte hain ki SBI Liquid Fund consistent return aur stability ke liye better hai. Yeh fund apne T-Bills aur CD mein investment karta hai, jisse risk kam hai. Haan, HDFC Liquid Fund ka asset allocation bhi thoda alag hai, lekin dono funds ki consistency bahut hi achhi hai.
⚠️ Risk & Cost Analysis
Riskometer ke hisab se, dono funds low risk hain. Lekin, SBI Liquid Fund ka volatility 0.12 hai, jo HDFC Liquid Fund ka 0.11 se zyada hai. Lekin, Sharpe ratio ke hisab se, SBI Liquid Fund zyada accha hai. Expense ratio ke hisab se, dono funds ki expense ratio low hai, lekin HDFC Liquid Fund ka expense ratio 0.2% hai, jiski compare SBI Liquid Fund ka expense ratio 0.12% hai.
📊 Portfolio Diversification
SBI Liquid Fund ka asset allocation T-Bills mein 65% hai, jisse risk kam hai. HDFC Liquid Fund ka asset allocation CP, CD, aur T-Bills mein hai. SBI Liquid Fund ka top holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai, jisse sector risk kam hai. Haan, HDFC Liquid Fund ka top holdings Reserve Bank of India mein hai, jisse sector risk thoda jyada hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI Liquid Fund
₹865144.00
@6.9% 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, SBI Liquid Fund ka 5Y return 6.09% hai, jo HDFC Liquid Fund ka 6.01% se zyada hai. Haan, 3Y return ke hisab se bhi SBI Liquid Fund zyada accha hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, SBI Liquid Fund ka volatility 0.12 hai, jo HDFC Liquid Fund ka 0.11 se zyada hai. Lekin, Sharpe ratio ke hisab se, SBI Liquid Fund zyada accha hai. Dekho, yeh fund ki performance ko dekhne ki zaroorat hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Liquid Fund ka expense ratio 0.12% hai, jo HDFC Liquid Fund ka 0.2% se kam hai. Haan, dono funds ki expense ratio low hai, lekin SBI Liquid Fund zyada accha 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