HDFC Liquid Fund vs SBI Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
13.45%
Chaliye, dekho, ab hum do aam funds ka comparison kar rahe hain - HDFC Liquid Fund aur SBI Small Cap Fund. Fund A ek liquid fund hai, jabki Fund B ek small cap fund hai. Ye dono fund aapke wealth creation ke liye upyukt hain, lekin kya ye dono fund aapke liye upyukt hain? Is article mein hum aapko fund ke features, returns, aur risk level ke baare mein batayenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSBI Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 5466.12 | 192.12 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.46 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.82% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 17.83 |
| Sharpe Ratio | 3 | 0.39 |
| 1 Year Return (%) | 6.08% | 0.06% |
| 3 Year Return (%) | 6.83% | 13.45% |
| 5 Year Return (%) | 6.01% | 14.57% |
| Since Launch (%) | 34.46% | 23.96% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 18 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | R. Srinivasan (10.2 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | Aarti Drugs Ltd. (3.2%), Hatsun Agro Product Ltd. (2.9%), National Aluminium Company Ltd. (2.7%) |
| 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: 91.00% | Cash & Equivalents: 9.00% |
| Portfolio Turnover | 203% | 23% |
🤖 AI Verdict – Which is Better?
Haan, humne dekha hai ki Fund A ek stable fund hai, jo aapke 3-year wealth creation ke liye upyukt hai. Fund A ka 3Y return 6.83% hai, jo Fund B se kam hai (13.45%). Lekin Fund A ka expense ratio 0.2% hai, jo Fund B se kam hai (0.82%). Isliye, hum boltein ki Fund A aapke liye better fund 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 Small Cap Fund?
- Expense ratio: 0.82%
- 3Y return: 13.45%
- AUM: 2.46 Lac Cr
- Sharpe Ratio: 0.39
📈 SIP Suitability
Sach ye hai, SIP (Systematic Investment Plan) karne ke liye Fund A aapke liye upyukt hai. Fund A ka return stability aur consistency ka mukhya kaaran hai. Fund A ka 1Y return 6.08% hai, jo Fund B se jyaada hai (0.06%). Isliye, hum boltein ki Fund A aapke liye better fund hai SIP ke liye.
⚠️ Risk & Cost Analysis
Ab hum dekhte hain ki Fund A aur Fund B ke riskometer, volatility, aur Sharpe ratio ka comparison kya hai. Fund A ka riskometer Low hai, jo Fund B se kam hai (Very High). Fund A ka volatility 0.11 hai, jo Fund B se kam hai (17.83). Isliye, hum boltein ki Fund A aapke liye better fund hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Ab hum dekhte hain ki Fund A aur Fund B ke asset allocation aur top holdings concentration ka comparison kya hai. Fund A ka asset allocation CP, CD, T-Bills, aur SDL mein hai. Lekin Fund B ka asset allocation equity aur cash & equivalents mein hai. Isliye, hum boltein ki Fund A ka portfolio diversification Fund B se jyaada hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
SBI Small Cap Fund
₹1267390.94
@13.4% 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?
Answer: Fund B ka 5Y return 14.57% hai, jo Fund A se jyaada hai (6.01%). Isliye, Fund B aapke liye better fund hai long-run returns ke liye.
Q2: Is the higher risk fund worth it?
Answer: Fund B ka volatility 17.83 hai, jo Fund A se jyaada hai (0.11). Isliye, Fund B aapke liye higher risk hai. Lekin Fund B ka Sharpe ratio 0.39 hai, jo Fund A se kam hai (3). Isliye, Fund B aapke liye better fund hai risk-adjusted returns ke liye.
Q3: Which fund is more cost‑effective?
Answer: Fund A ka expense ratio 0.2% hai, jo Fund B se kam hai (0.82%). Isliye, Fund A aapke liye better fund hai cost-effectiveness ke liye.
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