HDFC Mid Cap Fund vs Navi 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%
Today, we are comparing two funds – HDFC Mid Cap Fund and Navi Mutual Fund Liquid Fund. Dekho, both funds are popular among Indian investors, but they belong to different categories. We will explore which fund is better suited for long-term wealth creation and help you make an informed decision.
[VERDICT]| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BNavi Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Navi Mutual Fund |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 5622.79 |
| AUM (₹ Cr) | 9.47 Lac Cr | 4.54 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.13 |
| Sharpe Ratio | 0.92 | 3.31 |
| 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) | N/A |
| 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% | 285% |
🤖 AI Verdict – Which is Better?
After analyzing the data, we can see that HDFC Mid Cap Fund has a higher 3Y return of 22.29%, compared to Navi Mutual Fund Liquid Fund's 6.93%. However, Navi Mutual Fund Liquid Fund has a significantly lower expense ratio of 0.12%, making it a more cost-effective option. Considering the riskometer rating of Very High for HDFC Mid Cap Fund and Low for Navi Mutual Fund Liquid Fund, we can conclude that Navi Mutual Fund Liquid Fund is a better option for long-term wealth creation.
[SIP_SUITABILITY]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 Navi Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.54 Lac Cr
- Sharpe Ratio: 3.31
📈 SIP Suitability
For a monthly SIP of 10+ years, we recommend Navi Mutual Fund Liquid Fund. Dekho, its returns may not be as high as HDFC Mid Cap Fund, but it offers a more stable and consistent performance. With a Sharpe ratio of 3.31, Navi Mutual Fund Liquid Fund has a better risk-adjusted return, making it suitable for investors who want to minimize risk while earning moderate returns.
[RISK_COST]⚠️ Risk & Cost Analysis
Let's compare the riskometer, volatility, Sharpe ratio, and expense ratio of both funds. HDFC Mid Cap Fund has a Very High riskometer rating and high volatility of 17.17, while Navi Mutual Fund Liquid Fund has a Low riskometer rating and low volatility of 0.13. The Sharpe ratio of HDFC Mid Cap Fund is 0.92, while Navi Mutual Fund Liquid Fund has a Sharpe ratio of 3.31. Considering the expense ratio, Navi Mutual Fund Liquid Fund is a clear winner with an expense ratio of 0.12%. Sach ye hai, Navi Mutual Fund Liquid Fund offers better risk-adjusted returns.
[PORTFOLIO_INSIGHT]📊 Portfolio Diversification
Looking at the asset allocation, HDFC Mid Cap Fund has an equity allocation of 93.46%, while Navi Mutual Fund Liquid Fund has a diversified portfolio with T-Bills, CD, CP, and Cash. Dekho, the top holdings of HDFC Mid Cap Fund are concentrated in Max Financial Services Ltd., AU Small Finance Bank Ltd., and The Federal Bank Ltd. In contrast, Navi Mutual Fund Liquid Fund has a more diversified portfolio with top holdings in State Bank of India CD, HDFC Bank CD, and Reliance Industries T-Bills. Haan, Navi Mutual Fund Liquid Fund is more diversified and has a lower sector risk.
[FAQ]SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
Navi 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?
Navi Mutual Fund Liquid Fund has a 5Y return of 6.11%, which is lower than HDFC Mid Cap Fund's 5Y return of 20.24%. However, considering the riskometer rating and volatility, Navi Mutual Fund Liquid Fund is a better option for long-term wealth creation.
Q2: Is the higher risk fund worth it?
No, the higher risk fund is not worth it. HDFC Mid Cap Fund has a high volatility of 17.17, while Navi Mutual Fund Liquid Fund has a low volatility of 0.13. The Sharpe ratio of HDFC Mid Cap Fund is also lower than Navi Mutual Fund Liquid Fund. Lekin, HDFC Mid Cap Fund's higher returns do not justify the higher risk.
Q3: Which fund is more cost-effective?
Navi Mutual Fund Liquid Fund is more cost-effective with an expense ratio of 0.12%, compared to HDFC Mid Cap Fund's expense ratio of 0.73%. Dekho, the cost difference may not be significant, but it can add up over time.
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