HDFC Liquid Fund vs Tata Mutual Fund Large Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
14.7%
Dekho, aap logon ke paas do aise funds hain jo aapko long-term wealth creation ke liye dhang se chunne hain. Fund A HDFC Liquid Fund hai jo category se Liquid hai, jabki Fund B Tata Mutual Fund Large Cap Fund hai jo Large Cap category se hain. Aaj hum aapko is article mein kuch fund ki comparison ke baare mein batayenge. Chaliye shuru karen.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Tata Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.93 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 12.94 |
| Sharpe Ratio | 3 | 0.63 |
| 1 Year Return (%) | 6.08% | -4.02% |
| 3 Year Return (%) | 6.83% | 14.7% |
| 5 Year Return (%) | 6.01% | 12.03% |
| Since Launch (%) | 34.46% | 11.65% |
| 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) | Sonam Udasi (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| 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: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 203% | 32% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund B ki 3Y return 14.7% hai, jo ki Fund A ki 3Y return 6.83% se jyada hai. Lekin, expense ratio ka dhyaan rakhte hue, Fund A ka expense ratio 0.2% hai, jo ki Fund B ka expense ratio 0.52% se kam hai. Aise mein, Fund A pehle se hi better fund lagta hai, kyunki iska riskometer low hai aur expense ratio choti hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Tata Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 1.93 Lac Cr
- Sharpe Ratio: 0.63
📈 SIP Suitability
Haan, SIP suitabilita ke liye bhi hum Fund A ko better fund manaenge. Fund A ki consistency aur return stability Fund B ki compare mein achchi hai. Iska 5Y return 6.01% hai, jo ki Fund B ki 5Y return 12.03% se kam hai lekin iska expense ratio kam hai.
⚠️ Risk & Cost Analysis
Volatility aur Sharpe ratio ke liye bhi hum Fund A ko better fund manaenge. Fund A ka riskometer low hai aur volatility 0.11 hai, jo ki Fund B ki volatility 12.94 se kam hai. Sharpe ratio ke liye bhi Fund A ki sharpe ratio 3 hai, jo ki Fund B ki sharpe ratio 0.63 se jyada hai. Isliye, Fund A offer kar raha hai better risk-adjusted returns.
📊 Portfolio Diversification
Portfolio diversification ke liye bhi hum Fund B ko kam diversified fund manaenge. Fund B ka asset allocation mein 96% equity hai, jo ki Fund A ka asset allocation mein 47.67% CP aur 31.92% CD hai. Iska matlab hai ki Fund B ki portfolio mein sector risk bhi hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Tata Mutual Fund Large Cap Fund
₹1367804.07
@14.7% 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?
Ans: Fund B ki 5Y return 12.03% hai, jo ki Fund A ki 5Y return 6.01% se jyada hai. Lekin, expense ratio ka dhyan rakhte hue, Fund A ka expense ratio 0.2% hai, jo ki Fund B ka expense ratio 0.52% se kam hai.
Q2: Is the higher risk fund worth it?
Ans: N/A
Q3: Which fund is more cost-effective?
Ans: Fund A ka expense ratio 0.2% hai, jo ki Fund B ka expense ratio 0.52% se kam hai. Isliye, Fund A ismein cost-effectiveness ke liye better fund 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