HDFC Liquid Fund vs UTI 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%
Kya aapko pata hai ki liquid fund aur large cap fund mein kya farq hai? Dekho, hum aapko HDFC Liquid Fund aur UTI Mutual Fund Large Cap Fund ke beech ka comparison karne wala hain. Aap jante hain ki aapke paisa ki suraksha aur vrittikaran ke liye kya fund best hai.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BUTI Mutual Fund Large Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | UTI Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 5466.12 | 497.22 |
| AUM (₹ Cr) | 7.29 Lac Cr | 2.00 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.52% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 11.79 |
| Sharpe Ratio | 3 | 0.7 |
| 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) | V. Srivatsa (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% | 21% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko batate hain ki kis fund long-term ke liye better hai. 3Y return, expense ratio, aur risk ke adhar par hum UTI Mutual Fund Large Cap Fund ko better fund maante hain.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider UTI Mutual Fund Large Cap Fund?
- Expense ratio: 0.52%
- 3Y return: 14.7%
- AUM: 2.00 Lac Cr
- Sharpe Ratio: 0.7
📈 SIP Suitability
SIP ke liye kis fund better hai? Dekho, hum aapko batate hain ki HDFC Liquid Fund ka 3Y return aur expense ratio large cap fund se behtar hai. Lekin, long-term ke liye UTI Mutual Fund Large Cap Fund better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke adhar par hum aapko batate hain ki HDFC Liquid Fund better risk-adjusted returns offer karta hai. Volatility ke liye hamari baat sahi hai, kyunki large cap fund ki volatility 11.79 hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye hum aapko batate hain ki HDFC Liquid Fund ka asset allocation large cap fund ke liye behtar hai. Lekin, sector risk ke liye hamara koi jawab nahi hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
UTI 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?
UTI Mutual Fund Large Cap Fund ka 5Y return 12.03% hai, jabki HDFC Liquid Fund ka 5Y return 6.01% hai. To, UTI Mutual Fund Large Cap Fund long-term ke liye better hai.
Q2: Is the higher risk fund worth it?
UTI Mutual Fund Large Cap Fund ki volatility 11.79 hai, jabki HDFC Liquid Fund ki volatility 0.11 hai. Lekin, Sharpe ratio ke liye hamara koi jawab nahi hai.
Q3: Which fund is more cost-effective?
HDFC Liquid Fund ka expense ratio 0.2% hai, jabki UTI Mutual Fund Large Cap Fund ka expense ratio 0.52% hai. To, HDFC Liquid Fund 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