HDFC Mid Cap Fund vs Edelweiss 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
6.99%
Chaliye, let's start with an introduction. Fund A, HDFC Mid Cap Fund, and Fund B, Edelweiss Mutual Fund Liquid Fund, are two vastly different investment options. HDFC Mid Cap Fund is a mid-cap fund, which typically invests in mid-sized companies, while Edelweiss Liquid Fund is a liquid fund, which invests in low-risk, short-term debt securities. In this comparison, we will delve into the details of both funds and provide you with a clear understanding of which one suits your investment goals better.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BEdelweiss Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Edelweiss Mutual Fund |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 3598.40 |
| AUM (₹ Cr) | 9.47 Lac Cr | 4.21 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.13 |
| Sharpe Ratio | 0.92 | 3.77 |
| 1 Year Return (%) | 5.95% | 6.24% |
| 3 Year Return (%) | 22.29% | 6.99% |
| 5 Year Return (%) | 20.24% | 6.17% |
| Since Launch (%) | 17.1% | 72.46% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 27 November 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Bharat Lahoti (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% | 295% |
🤖 AI Verdict – Which is Better?
Hai, the verdict is clear. For long-term wealth creation, Fund A, HDFC Mid Cap Fund, is the better choice. With a 3Y return of 22.29%, it outperforms Fund B's 3Y return of 6.99%. Moreover, its expense ratio of 0.73% is higher, but its riskometer rating of Very High indicates that it offers higher potential returns. Lekin, for conservative investors, Fund B's low-risk profile may be more suitable.
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 Edelweiss Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.99%
- AUM: 4.21 Lac Cr
- Sharpe Ratio: 3.77
📈 SIP Suitability
Dekho, for a monthly SIP for 10+ years, Fund A is the better choice. Its 3Y return of 22.29% indicates higher consistency and return stability compared to Fund B's 3Y return of 6.99%. However, Fund B's low-risk profile makes it a better option for investors who are risk-averse or have a shorter investment horizon.
⚠️ Risk & Cost Analysis
Sach ye hai, the riskometer, volatility, and Sharpe ratio of both funds differ significantly. Fund A's riskometer rating of Very High and volatility of 17.17 indicate higher risk. Lekin, its Sharpe ratio of 0.92 is higher, indicating better risk-adjusted returns. Fund B's low-risk profile, with a riskometer rating of Low and volatility of 0.13, makes it a safer choice. However, its Sharpe ratio of 3.77 is significantly higher, indicating better risk-adjusted returns.
📊 Portfolio Diversification
Haan, the asset allocation of both funds differs significantly. Fund A has a high equity allocation of 93.46%, while Fund B has a low equity allocation, with 65% in T-Bills. The top holdings of Fund A are concentrated in a few stocks, while Fund B has a more diversified portfolio with no single holding accounting for more than 8.5%. Sach ye hai, Fund B's asset allocation offers lower sector risk.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
Edelweiss Mutual Fund Liquid Fund
₹869986.27
@7.0% 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?
Answer based on 5Y/3Y returns. Fund A gives better returns in the long run, with a 5Y return of 20.24% compared to Fund B's 5Y return of 6.17%.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. While Fund A's higher risk profile may seem daunting, its Sharpe ratio of 0.92 indicates better risk-adjusted returns. Lekin, for conservative investors, Fund B's low-risk profile may be more suitable.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund B's expense ratio of 0.12% is lower than Fund A's 0.73%. Lekin, no exit load is mentioned for either fund.
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