HDFC Liquid Fund vs Tata Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
6.93%
Dekho, aapke paas do liquid fund hai jo aapko invest karne ke liye upalabdha hain. Yeh fund category se related hain aur aapke paas long-term wealth creation ke liye upalabdha hai. Yeh article aapko HDFC Liquid Fund aur Tata Mutual Fund Liquid Fund ke beech ki comparison karne ke liye upalabdha hai, jisse aapko aisa fund chuna ja sakta hai jo aapke liye best hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BTata Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Tata Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 5622.79 |
| AUM (₹ Cr) | 7.29 Lac Cr | 3.50 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 3 | 3.31 |
| 1 Year Return (%) | 6.08% | 6.17% |
| 3 Year Return (%) | 6.83% | 6.93% |
| 5 Year Return (%) | 6.01% | 6.11% |
| Since Launch (%) | 34.46% | 50.63% |
| 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) | Sonam Udasi (3.5 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% | 297% |
🤖 AI Verdict – Which is Better?
Haan, yeh fund donon hi liquid category se related hain aur low riskometer ke saath aaye hain. Lekin, jab hum 3Y return, expense ratio aur risk ke baare mein dekhte hain, to HDFC Liquid Fund ek better option dikh raha hai. Iska 3Y return 6.83% hai, jo Tata Mutual Fund Liquid Fund ki 6.93% se kam hai. Lekin, expense ratio ke maamle mein HDFC Liquid Fund ka expense ratio 0.2% hai, jo Tata Mutual Fund Liquid Fund ki 0.12% se zyada hai. To, sach ye hai ki HDFC Liquid Fund long-term wealth creation ke liye ek better option 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 Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.50 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
Chaliye, ab hum SIP ke liye fund ki suitability ko dekhte hain. Dekho, HDFC Liquid Fund ka 3Y return stable hai aur expense ratio bhi kam hai. Isliye, HDFC Liquid Fund ek achha fund hai jis par aap monthly SIP kar sakte hain. Lekin, Tata Mutual Fund Liquid Fund ka 1Y return bhi accha hai aur asset allocation bhi diversified hai. To, yeh bhi ek achha fund hai jo aapke liye upalabdha hai.
⚠️ Risk & Cost Analysis
Haan, yeh fund donon hi low riskometer ke saath aaye hain, lekin riskometer hi nhi hai jo risk ko sahi tareeke se samjhata hai. Volatility ke maamle mein HDFC Liquid Fund ka volatility 0.11 hai, jo Tata Mutual Fund Liquid Fund ki 0.13 se kam hai. Sharpe ratio ke maamle mein Tata Mutual Fund Liquid Fund ka Sharpe ratio 3.31 hai, jo HDFC Liquid Fund ki 3 se zyada hai. Isliye, Tata Mutual Fund Liquid Fund risk-adjusted returns ke maamle mein ek better option hai.
📊 Portfolio Diversification
Chaliye, ab hum asset allocation aur top holdings concentration ko dekhte hain. Dekho, HDFC Liquid Fund ka asset allocation CP, CD, T-Bills, Debenture, Bonds/NCD, Debt aur SDL ke beech badla hua hai. Iske top 3 holdings Reserve Bank of India hai. Lekin, Tata Mutual Fund Liquid Fund ka asset allocation T-Bills, CD, CP aur Cash ke beech badla hua hai. Iske top 3 holdings State Bank of India CD, HDFC Bank CD aur Reliance Industries T-Bills hai. Isliye, Tata Mutual Fund Liquid Fund ka portfolio diversification better hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Tata Mutual Fund Liquid Fund
₹867076.87
@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?
HDFC Liquid Fund ka 5Y return 6.01% hai, jo Tata Mutual Fund Liquid Fund ki 6.11% se kam hai. Lekin, 3Y return ke maamle mein HDFC Liquid Fund ka 3Y return 6.83% hai, jo Tata Mutual Fund Liquid Fund ki 6.93% se kam hai. To, yeh fund donon hi achi performance dikh rahe hain, lekin HDFC Liquid Fund ka 3Y return thoda kam hai.
Q2: Is the higher risk fund worth it?
Tata Mutual Fund Liquid Fund ka volatility 0.13 hai, jo HDFC Liquid Fund ki 0.11 se zyada hai. Lekin, Tata Mutual Fund Liquid Fund ka Sharpe ratio 3.31 hai, jo HDFC Liquid Fund ki 3 se zyada hai. Isliye, yeh fund donon hi low riskometer ke saath aaye hain, lekin riskometer hi nhi hai jo risk ko sahi tareeke se samjhata hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ka expense ratio 0.2% hai, jo Tata Mutual Fund Liquid Fund ki 0.12% se zyada hai. Isliye, Tata Mutual Fund Liquid Fund kam expense ratio ke saath aaya hai, jisse yeh fund aapke liye 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