HDFC Mid Cap Fund vs HSBC 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
6.93%
Chaliye, aaj hum do mutual funds ke beech ka comparison karne ja rhe hain. Fund A HDFC Mid Cap Fund hai, jo mid cap category mein aata hai. Fund B HSBC Mutual Fund Liquid Fund hai, jo liquid fund category mein aata hai. Ye dono fund Indian investors ke liye kya offer karte hain? Dekho
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | HSBC Mutual Fund |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 5622.79 |
| AUM (₹ Cr) | 9.47 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.13% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.11 |
| Sharpe Ratio | 0.92 | 3.91 |
| 1 Year Return (%) | 5.95% | 6.17% |
| 3 Year Return (%) | 22.29% | 6.93% |
| 5 Year Return (%) | 20.24% | 6.11% |
| Since Launch (%) | 17.1% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Cheenu Gupta (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% | 215% |
🤖 AI Verdict – Which is Better?
Haan, aaj hum long-term wealth creation ke liye fund ke winner ko dekhenge. 3Y return, expense ratio, aur risk ke hisab se, Fund A HDFC Mid Cap Fund better hai. Yeh fund 22.29% ki 3Y return aur 0.73% ki expense ratio ke saath aata hai, jo Fund B se adhik hai. Lekin, Fund B ka riskometer Low hai, jo fund ke liye accha 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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, hum kis fund ka chunav karenge? Fund A ka 3Y return 22.29% hai, jo Fund B se kam hai. Lekin, Fund A ka expense ratio 0.73% hai, jo Fund B se adhik hai. Haan, Fund A ka riskometer Very High hai, jo SIP ke liye nahi accha hai. To, SIP ke liye Fund B HSBC Mutual Fund Liquid Fund better hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke hisab se, hum kis fund ka chunav karenge? Fund A ka riskometer Very High hai, jo Fund B ka Low riskometer se adhik hai. Lekin, Fund A ka Sharpe ratio 0.92 hai, jo Fund B ka 3.91 se kam hai. Haan, Fund A ka expense ratio 0.73% hai, jo Fund B ka 0.13% se adhik hai. To, fund ke risk-adjusted returns ke hisab se, Fund B better hai.
📊 Portfolio Diversification
Asset allocation aur top holdings ke hisab se, hum kis fund ka chunav karenge? Fund A ka asset allocation 93.46% equity hai, jo Fund B ka 65% T-Bills, 20% CD, 10% CP, aur 5% cash se adhik hai. Haan, Fund A ka top holdings concentration 4.37% Max Financial Services Ltd, 4.24% AU Small Finance Bank Ltd, aur 3.87% The Federal Bank Ltd ke hisab se adhik hai. To, asset allocation ke hisab se, Fund B better hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
HSBC 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?
Sach ye hai, Fund A HDFC Mid Cap Fund ka 5Y return 20.24% hai, jo Fund B HSBC Mutual Fund Liquid Fund ka 6.11% se adhik hai.
Q2: Is the higher risk fund worth it?
Na, Fund A ka riskometer Very High hai, jo Fund B ka Low riskometer se adhik hai. Lekin, Fund A ka Sharpe ratio 0.92 hai, jo Fund B ka 3.91 se kam hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund B HSBC Mutual Fund Liquid Fund ka expense ratio 0.13% hai, jo Fund A HDFC Mid Cap Fund ka 0.73% se kam 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