HDFC Mid Cap Fund vs SBI Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
22.29%
3Y Return
6.89%
Aapki aawaz hai, dekho! Aaj hum do funds ke beech mein comparison karenge - HDFC Mid Cap Fund aur SBI Liquid Fund. Ye do funds kis prakaar hain aur aapko kya seekhte hain, yeh jaanne ke liye aap is article ko padh sakte hain.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BSBI Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Mid Cap | Liquid |
| NAV (₹) | 220.36 | 4351.16 |
| AUM (₹ Cr) | 9.47 Lac Cr | 7.12 Lac Cr |
| Expense Ratio (%) | 0.73% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 17.17 | 0.12 |
| Sharpe Ratio | 0.92 | 3.25 |
| 1 Year Return (%) | 5.95% | 6.15% |
| 3 Year Return (%) | 22.29% | 6.89% |
| 5 Year Return (%) | 20.24% | 6.09% |
| Since Launch (%) | 17.1% | 6.79% |
| 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) | Ruchit Mehta; Ardhendu Bhattacharya (3.2 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% | 260% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, humein 3Y return, expense ratio aur risk ka dhyan dena chahiye. Dekho, HDFC Mid Cap Fund ka 3Y return 22.29% hai, jabki SBI Liquid Fund ka 6.89% hai. Lekin expense ratio ke liye, SBI Liquid Fund bahut kam expense ratio ke saath aata hai - 0.12%. Riskometer ke liye bhi, SBI Liquid Fund Low riskometer ke saath aata hai, jabki HDFC Mid Cap Fund Very High riskometer ke saath aata hai. Haan, humein iske baare mein sochna chahiye, lekin yeh saab kuch hai ki HDFC Mid Cap Fund long-term wealth creation ke liye better fund 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 SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
📈 SIP Suitability
SIP Suitability ke liye, humein monthly SIP ke liye fund ke consistency aur return stability ka dhyan dena chahiye. Dekho, HDFC Mid Cap Fund ka 1Y return 5.95% hai aur 3Y return 22.29% hai, jabki SBI Liquid Fund ka 1Y return 6.15% hai aur 3Y return 6.89% hai. Lekin, HDFC Mid Cap Fund ka Sharpe ratio 0.92 hai, jabki SBI Liquid Fund ka Sharpe ratio 3.25 hai. Haan, iske baare mein sochna chahiye, lekin yeh saab kuch hai ki HDFC Mid Cap Fund SIP ke liye better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility aur Sharpe ratio ke liye, HDFC Mid Cap Fund Very High riskometer ke saath aata hai, jabki SBI Liquid Fund Low riskometer ke saath aata hai. Volatility ke liye, HDFC Mid Cap Fund ka volatility 17.17 hai, jabki SBI Liquid Fund ka volatility 0.12 hai. Sharpe ratio ke liye, SBI Liquid Fund ka Sharpe ratio 3.25 hai, jabki HDFC Mid Cap Fund ka Sharpe ratio 0.92 hai. Expense ratio ke liye bhi, SBI Liquid Fund bahut kam expense ratio ke saath aata hai - 0.12%. Haan, iske baare mein sochna chahiye, lekin yeh saab kuch hai ki SBI Liquid Fund risk-adjusted returns ke liye better fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, humein fund ke portfolio diversification ka dhyan dena chahiye. Dekho, HDFC Mid Cap Fund ka Equity allocation 93.46% hai, jabki SBI Liquid Fund ka asset allocation T-Bills, CD, CP aur Cash ke liye 65%, 20%, 10%, aur 5% hai. Top holdings concentration ke liye, HDFC Mid Cap Fund ka Max Financial Services Ltd, AU Small Finance Bank Ltd, aur The Federal Bank Ltd. ke liye 4.37%, 4.24%, aur 3.87% hai. Haan, iske baare mein sochna chahiye, lekin yeh saab kuch hai ki SBI Liquid Fund portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
SBI Liquid Fund
₹865144.00
@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, HDFC Mid Cap Fund ka 5Y return 20.24% hai, jabki SBI Liquid Fund ka 5Y return 6.09% hai. Lekin, long-term wealth creation ke liye, HDFC Mid Cap Fund better fund hai.
Q2: Is the higher risk fund worth it?
Haan, higher risk fund ka Sharpe ratio kam hai, lekin HDFC Mid Cap Fund ka 3Y return 22.29% hai. Lekin, iske baare mein sochna chahiye, lekin yeh saab kuch hai ki HDFC Mid Cap Fund high risk ke liye better fund hai.
Q3: Which fund is more cost-effective?
Sach ye hai, SBI Liquid Fund ka expense ratio 0.12% hai, jabki HDFC Mid Cap Fund ka expense ratio 0.73% hai. Haan, iske baare mein sochna chahiye, lekin yeh saab kuch hai ki SBI Liquid Fund cost-effective fund 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