HDFC Liquid Fund vs Sundaram Mutual Fund Multi Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
22.93%
Mein aapko do mutual funds ke beech ki comparison dikhane jaa raha hoon. Fund A HDFC Liquid Fund hai, jo Liquid category mein hai, aur Fund B Sundaram Mutual Fund Multi Cap Fund hai, jo Multi Cap category mein hai. Yeh article aapko pata chalaa dega ki dono funds mein invest karna kis fund ke liye achha hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BSundaram Mutual Fund Multi Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Sundaram Mutual Fund |
| Category | Liquid | Multi Cap |
| NAV (₹) | 5466.12 | 1431.56 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.65 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.68% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.8 |
| Sharpe Ratio | 3 | 1.11 |
| 1 Year Return (%) | 6.08% | 6.91% |
| 3 Year Return (%) | 6.83% | 22.93% |
| 5 Year Return (%) | 6.01% | 19.07% |
| Since Launch (%) | 34.46% | 15.59% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | S. Krishnakumar (3.5 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%) | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries 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: 97.00% | T-Bills: 3.00% |
| Portfolio Turnover | 203% | 50% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B Sundaram Mutual Fund Multi Cap Fund zyada risk lene ke liye taiyaar hai, lekin yeh fund 3 saal ki return mein bahut hi achha performance dikh raha hai. Haan, expense ratio bhi zyada hai, lekin yeh fund long-term wealth creation ke liye behtar hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Sundaram Mutual Fund Multi Cap Fund?
- Expense ratio: 1.68%
- 3Y return: 22.93%
- AUM: 1.65 Lac Cr
- Sharpe Ratio: 1.11
📈 SIP Suitability
Ek monthly SIP ke liye Fund A HDFC Liquid Fund aur Fund B Sundaram Mutual Fund Multi Cap Fund ka comparison karein. Fund A ki consistency aur return stability zyada hi achhi hai. Dekho, Fund A ki 3 saal ki return 6.83% hai, jabki Fund B ki 22.93% hai, lekin yeh fund zyada risk lene ke liye taiyaar hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye Fund A aur Fund B ka comparison karein. Fund A ki riskometer Low hai, volatility 0.11 hai, Sharpe ratio 3 hai, aur expense ratio 0.2% hai. Haan, Fund B ki riskometer Very High hai, volatility 14.8 hai, Sharpe ratio 1.11 hai, aur expense ratio 1.68% hai. Sach ye hai, Fund A ki risk-adjusted returns zyada hi achhi hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye Fund A aur Fund B ka comparison karein. Fund A ki asset allocation CP (47.67%), CD (31.92%), T-Bills (19.85%), aur Debenture (2.05%) mein hai. Haan, Fund B ki asset allocation Equity (97.00%) aur T-Bills (3.00%) mein hai. Dekho, Fund A ki asset allocation zyada hi diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Sundaram Mutual Fund Multi Cap Fund
₹2318032.57
@22.9% 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, Fund B Sundaram Mutual Fund Multi Cap Fund 5 saal ki return mein 19.07% hai, jabki Fund A HDFC Liquid Fund 6.01% hai. Haan, Fund B ki return zyada hi achhi hai, lekin yeh fund zyada risk lene ke liye taiyaar hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund B ki volatility 14.8 hai, jabki Fund A ki volatility 0.11 hai. Haan, Fund B ki Sharpe ratio 1.11 hai, jabki Fund A ki Sharpe ratio 3 hai. Dekho, Fund A ki risk-adjusted returns zyada hi achhi hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B ki expense ratio 1.68% hai, jabki Fund A ki expense ratio 0.2% hai. Haan, Fund A zyada hi 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