HDFC Liquid Fund vs SBI Midcap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
15.45%
Agar aap invester hain aur abhi ek naye fund mein invest karna chahte hain, to ye article aapke liye hai. Hum do fundon ka vivaran karne ja rhe hain, HDFC Liquid Fund aur SBI Midcap Fund. Ye do fund alag-alag categories mein aate hain - Liquid aur Mid Cap. Dekhne ke baad, aapko pata chalega ki kis fund mein invest karna hoga aur kyun.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI Midcap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Mid Cap |
| NAV (₹) | 5466.12 | 264.93 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.32 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.62% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.71 |
| Sharpe Ratio | 3 | 0.61 |
| 1 Year Return (%) | 6.08% | 1.71% |
| 3 Year Return (%) | 6.83% | 15.45% |
| 5 Year Return (%) | 6.01% | 16.58% |
| Since Launch (%) | 34.46% | 18.28% |
| 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) | Bhavin Vithlani; Pradeep Kesavan (2.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | Bharat Heavy Electricals Ltd. (3.79%), Torrent Power Ltd. (3.73%), Adani Energy Solutions Ltd. (3.49%) |
| 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: 93.08% | T-Bills: 1.19% | Futures: 0.29% |
| Portfolio Turnover | 203% | 33% |
🤖 AI Verdict – Which is Better?
Sach ye hai, long-term mein jismein se koi fund vikasit hai. Yeh fund hai HDFC Liquid Fund. Yeh fund 3 saal ki return mein 6.83% ka aavashyak hai, jabki SBI Midcap Fund mere 15.45% ka aavashyak hai. Expense ratio ke mukable, HDFC Liquid Fund mere 0.2% ka aavashyak hai, jabki SBI Midcap Fund mere 1.62% ka aavashyak hai. Riskometer ke mukable, HDFC Liquid Fund mere Low ka aavashyak hai, jabki SBI Midcap Fund mere Very High ka aavashyak hai. Haan, SBI Midcap Fund ka 3 saal ki return bahut achha hai, lekin yeh fund bahut zyada risk mein 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 Midcap Fund?
- Expense ratio: 1.62%
- 3Y return: 15.45%
- AUM: 2.32 Lac Cr
- Sharpe Ratio: 0.61
📈 SIP Suitability
Ek monthly SIP ke liye, jismein se fund vikasit hai, yeh hai HDFC Liquid Fund. Yeh fund bahut stabl hai aur consistent return deti hai. SBI Midcap Fund ka return bahut accha hai, lekin yeh fund bahut zyada risk mein hai. Haan, agar aap bahut zyada risk le sakte hain, to SBI Midcap Fund ka 15.45% ka return aapke liye achha ho sakta hai.
⚠️ Risk & Cost Analysis
Riskometer ke mukable, HDFC Liquid Fund mere Low ka aavashyak hai, jabki SBI Midcap Fund mere Very High ka aavashyak hai. Volatility ke mukable, HDFC Liquid Fund mere 0.11 ka aavashyak hai, jabki SBI Midcap Fund mere 14.71 ka aavashyak hai. Sharpe ratio ke mukable, HDFC Liquid Fund mere 3 ka aavashyak hai, jabki SBI Midcap Fund mere 0.61 ka aavashyak hai. Expense ratio ke mukable, HDFC Liquid Fund mere 0.2% ka aavashyak hai, jabki SBI Midcap Fund mere 1.62% ka aavashyak hai. Haan, HDFC Liquid Fund ka risk-adjusted return bahut achha hai.
📊 Portfolio Diversification
HDFC Liquid Fund ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt, aur SDL ke liye hai. SBI Midcap Fund ka asset allocation Equity, T-Bills, aur Futures ke liye hai. Haan, HDFC Liquid Fund ka asset allocation bahut diversified hai. SBI Midcap Fund ka asset allocation bahut focused hai. Top holdings ke liye, HDFC Liquid Fund ka Reserve Bank of India ka 5.23%, 4.44%, aur 3.79% hai. SBI Midcap Fund ka Bharat Heavy Electricals Ltd. ka 3.79%, Torrent Power Ltd. ka 3.73%, aur Adani Energy Solutions Ltd. ka 3.49% hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI Midcap Fund
₹1432566.71
@15.4% 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, HDFC Liquid Fund ka 5 saal ki return 6.01% hai, jabki SBI Midcap Fund ka 5 saal ki return 16.58% hai. Yeh fund vikasit hai jismein se aapka 10+ saal ke liye SIP hona hai.
Q2: Is the higher risk fund worth it?
Haan, agar aap bahut zyada risk le sakte hain, to SBI Midcap Fund ka 15.45% ka return aapke liye achha ho sakta hai. Lekin yeh fund bahut zyada risk mein hai. Volatility ke mukable, HDFC Liquid Fund mere 0.11 ka aavashyak hai, jabki SBI Midcap Fund mere 14.71 ka aavashyak hai. Sharpe ratio ke mukable, HDFC Liquid Fund mere 3 ka aavashyak hai, jabki SBI Midcap Fund mere 0.61 ka aavashyak hai.
Q3: Which fund is more cost-effective?
Sach ye hai, HDFC Liquid Fund ka expense ratio 0.2% hai, jabki SBI Midcap Fund ka expense ratio 1.62% hai. Haan, HDFC Liquid Fund ka expense ratio bahut low 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