HDFC Mid Cap Fund vs DSP Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
6.77%
Acche din aane vaalon dekho, hum aaj do mutual funds ke beech ka tarkik mukabla karne ja rahe hain. Fund A HDFC Mid Cap Fund hai, jiska category mid cap hai, aur Fund B DSP Liquid Fund hai, jiska category liquid fund hai. Hum aapko dikhayenge ki dono fund mein aapki paisa ki safety aur growth kaise ho sakti hai.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BDSP Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | DSP Mutual Fund |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 89.77 |
| AUM (₹ Cr) | 9.47 Lac Cr | 3.30 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.12 |
| Sharpe Ratio | 0.92 | 2.25 |
| 1 Year Return (%) | 5.95% | 2.95% |
| 3 Year Return (%) | 22.29% | 6.77% |
| 5 Year Return (%) | 20.24% | 5.92% |
| Since Launch (%) | 17.1% | 6.91% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Atul Bhole (3.5 years yrs) |
| Benchmark | Nifty Midcap 150 TRI | NIFTY Liquid Index |
| Top 3 Holdings | Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 93.46% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 13% | 243% |
🤖 AI Verdict – Which is Better?
Sach ye hai, Fund A HDFC Mid Cap Fund long term mein aapki paisa ki growth ke liye better hai. Iska 3Y return 22.29% hai, expense ratio 0.73% hai, aur riskometer very high hai. Haan, iska 5Y return 20.24% hai, lekin expense ratio kam hai aur riskometer bhi kam hai.
Why consider HDFC Mid Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 22.29%
- AUM: 9.47 Lac Cr
- Sharpe Ratio: 0.92
Why consider DSP Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.77%
- AUM: 3.30 Lac Cr
- Sharpe Ratio: 2.25
📈 SIP Suitability
SIP ke liye Fund B DSP Liquid Fund better hai. Iska return stability aur consistency high hai, aur aapki paisa ki safety bhi aur bhi bahut hai. Haan, iska 3Y return 6.77% hai, lekin expense ratio 0.12% hai.
⚠️ Risk & Cost Analysis
Chaliye, riskometer aur volatility ke liye dekhte hain. Fund B DSP Liquid Fund me riskometer low hai, aur volatility bhi kam hai. Haan, Fund A HDFC Mid Cap Fund me riskometer very high hai, aur volatility bhi high hai, lekin Sharpe ratio 0.92 hai. Expense ratio Fund B mein kam hai, 0.12% hai.
📊 Portfolio Diversification
Portfolio diversification ke liye dekhte hain. Fund A HDFC Mid Cap Fund mein asset allocation equity 93.46% hai, aur top 3 holdings mein Max Financial Services Ltd, AU Small Finance Bank Ltd, aur The Federal Bank Ltd hai. Fund B DSP Liquid Fund mein asset allocation T-Bills 65.00%, CD 20.00%, CP 10.00%, aur cash 5.00% hai. Top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Haan, Fund A ki portfolio diversification kam hai, lekin Fund B ki portfolio diversification jyada hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
DSP Mutual Fund Liquid Fund
₹859377.44
@6.8% 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?
Fund A HDFC Mid Cap Fund 5Y return mein 20.24% hai, aur 3Y return mein 22.29% hai, aur Fund B DSP Liquid Fund 5Y return mein 5.92% hai, aur 3Y return mein 6.77% hai. Haan, Fund A HDFC Mid Cap Fund long term mein better hai.
Q2: Is the higher risk fund worth it?
Fund A HDFC Mid Cap Fund ka riskometer very high hai, aur volatility bhi high hai, lekin Sharpe ratio 0.92 hai. Haan, Fund B DSP Liquid Fund ka riskometer low hai, aur volatility bhi kam hai, lekin Sharpe ratio 2.25 hai. Haan, Fund B DSP Liquid Fund risk-adjusted return mein better hai.
Q3: Which fund is more cost-effective?
Fund B DSP Liquid Fund ka expense ratio 0.12% hai, jo Fund A HDFC Mid Cap Fund ka expense ratio 0.73% se kam hai. Haan, Fund B DSP 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