HDFC Mid Cap Fund vs LIC 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%
Dekho, aapke paas do funds hain: HDFC Mid Cap Fund aur LIC Mutual Fund Liquid Fund. Ye don't hai mid cap aur liquid fund category ke funds. Aaj hum aapko unki comparison karenge aur dekhein ki kya fund aapke long-term wealth creation ke liye behtar hai. Chaliye shuru karte hain.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BLIC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | LIC Mutual Fund |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 5622.79 |
| AUM (₹ Cr) | 9.47 Lac Cr | 4.02 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.12 |
| Sharpe Ratio | 0.92 | 3.58 |
| 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) | Yogesh Patil (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% | 241% |
🤖 AI Verdict – Which is Better?
Sach ye hai, fund B (LIC Mutual Fund Liquid Fund) aapke long-term wealth creation ke liye accha hai. Iska reason hai ki ye fund 3Y return mein HDFC Mid Cap Fund se adhik accha hai (6.93% v/s 22.29%). Haan, expense ratio mein bhi fund B kam hai (0.12% v/s 0.73%). Lekin, jeevan ka riskometer bhi fund B ka kam hai (Low v/s Very High). Dekho, fund B ki consistency aur return stability ko consider karein, to ye fund aapke SIP ke liye behtar 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 LIC Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.02 Lac Cr
- Sharpe Ratio: 3.58
📈 SIP Suitability
Chaliye SIP suitabaility ko consider karein. Dekho, fund B ka 3Y return HDFC Mid Cap Fund se kam hai lekin consistency aur return stability mein adhik hai. Haan, fund B ka expense ratio bhi kam hai (0.12% v/s 0.73%). Lekin, fund A ka 3Y return adhik hai, lekin riskometer bhi adhik hai. Dekho, fund B aapke SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Chaliye risk & cost ko consider karein. Dekho, fund B ka riskometer kam hai (Low v/s Very High), volatility bhi kam hai (0.12 v/s 17.17), lekin Sharpe ratio adhik hai (3.58 v/s 0.92). Haan, fund B ka expense ratio bhi kam hai (0.12% v/s 0.73%). Lekin, fund A ka asset allocation bhi adhik hai (93.46% v/s 65%). Dekho, fund B aapke risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
Chaliye portfolio diversification ko consider karein. Dekho, fund B ka asset allocation kam hai (65% v/s 93.46%), lekin top holdings concentration bhi kam hai (T-Bills: 65.00%, CD: 20.00%, CP: 10.00%, Cash: 5.00%). Haan, fund A ka top holdings concentration bhi kam hai (Max Financial Services Ltd. (4.37%), AU Small Finance Bank Ltd. (4.24%), The Federal Bank Ltd. (3.87%)). Lekin, fund A ka sector risk bhi adhik hai. Dekho, fund B ka portfolio diversified hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
LIC 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?
Ans. Fund B (LIC Mutual Fund Liquid Fund) aapke long-term wealth creation ke liye behtar hai. Iska reason hai ki ye fund 5Y return mein HDFC Mid Cap Fund se kam hai (6.11% v/s 20.24%), lekin 3Y return mein adhik hai (6.93% v/s 22.29%).
Q2: Is the higher risk fund worth it?
Ans. N/A, fund A ka riskometer adhik hai (Very High v/s Low).
Q3: Which fund is more cost-effective?
Ans. Fund B (LIC Mutual Fund Liquid Fund) aapke expense ratio ke liye behtar hai (0.12% v/s 0.73%).
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