HDFC Mid Cap Fund vs JM Financial Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
6.97%
Chaliye dekho, main aapko do funds ke beech ka comparison karne aaya hoon. Fund A HDFC Mid Cap Fund hai, jo Mid Cap category mein aata hai. Fund B JM Financial Liquid Fund hai, jo Liquid Fund category mein aata hai. Aaj, aapko yeh jaanne ke liye hoga ki dono funds mein aapko kya milta hai aur dono funds ke beech kya faayda hai.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BJM Financial Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | JM Financial |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 363.19 |
| AUM (₹ Cr) | 9.47 Lac Cr | 4.08 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.12 |
| Sharpe Ratio | 0.92 | 3.92 |
| 1 Year Return (%) | 5.95% | 6.21% |
| 3 Year Return (%) | 22.29% | 6.97% |
| 5 Year Return (%) | 20.24% | 6.16% |
| Since Launch (%) | 17.1% | 6.24% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 5 July 2007 | 8 March 2016 |
| Exit Load | Nil | Nil |
| Fund Manager | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) | Asit Bhandarkar (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% | 259% |
🤖 AI Verdict – Which is Better?
Haan, yeh sawal sabke liye zaroori hai. Dekha jae, dono funds ki 3 saal ki return dekhi hai. Fund A ki 3 saal ki return 22.29% hai, jabki Fund B ki 3 saal ki return 6.97% hai. Yeh sawal tha ki Fund A ka expense ratio kya hai? Fund A ka expense ratio 0.73% hai. Fund B ka expense ratio 0.12% hai, jo thoda chota hai. Aur yeh sawal tha ki Fund A ka riskometer kya hai? Fund A ka riskometer Very High hai. Fund B ka riskometer Low hai. Tobe, Fund A better hai long-term wealth creation ke liye.
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 JM Financial Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.97%
- AUM: 4.08 Lac Cr
- Sharpe Ratio: 3.92
📈 SIP Suitability
Ab, aapko pata hai ki Fund A long-term wealth creation ke liye better hai. Lekin, yeh sawal tha ki SIP ke liye konsa fund better hai. Dekha jae, Fund A ki 1 saal ki return 5.95% hai, jabki Fund B ki 1 saal ki return 6.21% hai. Fund A ki 3 saal ki return 22.29% hai, jabki Fund B ki 3 saal ki return 6.97% hai. Lekin, yeh bhi dekha jae ki Fund A ka consistency kya hai. Fund A ka volatility 17.17 hai, jo thoda jyada hai. Fund B ka volatility 0.12 hai, jo kam hai. Toh, Fund B SIP ke liye better hai.
⚠️ Risk & Cost Analysis
Ab, aapko pata hai ki Fund B SIP ke liye better hai. Lekin, yeh sawal tha ki dono funds ke beech riskometer, volatility, Sharpe ratio, aur expense ratio ka comparison kya hai. Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Fund A ka volatility 17.17 hai, jabki Fund B ka volatility 0.12 hai. Fund A ka Sharpe ratio 0.92 hai, jabki Fund B ka Sharpe ratio 3.92 hai. Fund A ka expense ratio 0.73% hai, jabki Fund B ka expense ratio 0.12% hai. Toh, Fund B better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Ab, aapko pata hai ki Fund B better risk-adjusted returns deta hai. Lekin, yeh sawal tha ki dono funds ke beech asset allocation aur top holdings concentration ka comparison kya hai. Fund A ka asset allocation Equity mein 93.46% hai, jabki Fund B ka asset allocation T-Bills mein 65.00%, CD mein 20.00%, CP mein 10.00%, aur Cash mein 5.00% hai. Fund A ka top 3 holdings Max Financial Services Ltd. mein 4.37%, AU Small Finance Bank Ltd. mein 4.24%, aur The Federal Bank Ltd. mein 3.87% hai. Fund B ka top 3 holdings State Bank of India CD mein 8.5%, HDFC Bank CD mein 7.2%, aur Reliance Industries T-Bills mein 6.8% hai. Toh, Fund B asset allocation ke liye better hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
JM Financial Liquid Fund
₹869015.12
@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?
Sach ye hai ki Fund A ki 5 saal ki return 20.24% hai, jabki Fund B ki 5 saal ki return 6.16% hai. So, Fund A better returns deta hai long run mein.
Q2: Is the higher risk fund worth it?
Ji haan, Fund A ka riskometer Very High hai, lekin yeh bhi dekha jae ki Fund A ka Sharpe ratio 0.92 hai, jabki Fund B ka Sharpe ratio 3.92 hai. Toh, Fund A ka risk-adjusted returns better hai.
Q3: Which fund is more cost-effective?
Haan, Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.73% se kam hai. So, Fund B 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