HDFC Mid Cap Fund vs Kotak Mahindra 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%
Mujhe lagta hai ki aap donon fundon ke beech kya farak hai aur aaj hum aapko bataayenge ki in donon fundon ke beech kya aisa hai. Dekho, Fund A HDFC Mid Cap Fund hai jo mid cap category mein aata hai, jabki Fund B Kotak Mahindra Liquid Fund hai jo liquid fund category mein aata hai.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BKotak Mahindra Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Kotak Mahindra |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 5622.79 |
| AUM (₹ Cr) | 9.47 Lac Cr | 3.18 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| 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) | Harsha Upadhyaya (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% | 207% |
🤖 AI Verdict – Which is Better?
Haan, yahan pe hum aapko batana chahenge ki in donon fundon ke beech se kis fund better hai long-term wealth creation ke liye. Dekho, 3Y return ke hisab se, Fund A 22.29% ki return deta hai, jabki Fund B 6.93% ki return deta hai. Lekin expense ratio ke hisab se, Fund B 0.12% ki expense ratio deta hai, jo ki Fund A ke 0.73% se kam hai. Isliye, Fund B 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 Kotak Mahindra Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.18 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, hum aapko batayenge ki in donon fundon ke beech se kis fund better hai SIP ke liye. Dekho, Fund A ki consistency aur return stability Fund B se kam hai. Isliye, Fund B better hai SIP ke liye.
⚠️ Risk & Cost Analysis
Haan, yahan pe hum aapko batayenge ki in donon fundon ke beech se kis fund better hai risk-adjusted returns ke liye. Dekho, Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Lekin volatility ke hisab se, Fund A 17.17 ki volatility deta hai, jabki Fund B 0.11 ki volatility deta hai. Sharpe ratio ke hisab se, Fund B 3.91 ki Sharpe ratio deta hai, jabki Fund A 0.92 ki Sharpe ratio deta hai. Isliye, Fund B better hai risk-adjusted returns ke liye.
📊 Portfolio Diversification
Chaliye, hum aapko batayenge ki in donon fundon ke beech se kis fund better hai portfolio diversification ke liye. Dekho, Fund B ka asset allocation 65% T-Bills, 20% CD, 10% CP, aur 5% cash mein hai. Isliye, Fund B ka asset allocation Fund A ke 93.46% equity allocation se kam hai. Isliye, Fund B better hai portfolio diversification ke liye.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
Kotak Mahindra 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 B 5Y return mein 6.11% aur 3Y return mein 6.93% ki return deta hai, jo ki Fund A ke 3Y return mein 22.29% se kam hai. Isliye, Fund B better hai long-term wealth creation ke liye.
Q2: Is the higher risk fund worth it?
Haan, yeh question bahut aakarshak hai. Dekho, Fund A ka riskometer Very High hai, jabki Fund B ka riskometer Low hai. Lekin volatility ke hisab se, Fund A 17.17 ki volatility deta hai, jabki Fund B 0.11 ki volatility deta hai. Sharpe ratio ke hisab se, Fund B 3.91 ki Sharpe ratio deta hai, jabki Fund A 0.92 ki Sharpe ratio deta hai. Isliye, Fund B better hai risk-adjusted returns ke liye.
Q3: Which fund is more cost-effective?
Haan, yeh question bahut aakarshak hai. Dekho, Fund B ka expense ratio 0.12% hai, jo ki Fund A ke 0.73% se kam hai. Isliye, Fund B better hai cost-effectiveness ke liye.
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