HDFC Mid Cap Fund vs UTI 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, aap dono fundon ko ek saath compare karne ja rahe hain. Fund A HDFC Mid Cap Fund hai, jo mid cap fund category mein aata hai, jabki Fund B UTI Liquid Fund hai, jo liquid fund category mein aata hai. Aaj hum aapko batayenge ki dono fundon mein kya kya achanak hai aur kis fund mein aapko lagaane ki salah denge.
| Parameter | AHDFC Mid Cap Fund - Direct Plan - Growth | BUTI Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | UTI Mutual Fund |
| Category | Mid Cap | Liquid Fund |
| NAV (₹) | 220.36 | 5622.79 |
| AUM (₹ Cr) | 9.47 Lac Cr | 3.63 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) | V. Srivatsa (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% | 233% |
🤖 AI Verdict – Which is Better?
Chaliye, hum aapko batayenge ki Fund A ya Fund B mein kis fund mein aapko lagaane ki zaroorat hai. Dekho, Fund A ka 3Y return 22.29% hai, jo bahut hi achha hai. Lekin expense ratio 0.73% hai, jo thoda zyada hai. Fund B ka expense ratio 0.12% hai, jo bahut hi kam hai. Haan, Fund B ka return bhi kam hai, lekin riskometer low hai, jo bahut hi achha hai. Sach ye hai, Fund B aapke long-term wealth creation 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 UTI Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 3.63 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
SIP suitability ke liye, hum aapko batayenge ki Fund A ya Fund B mein kis fund mein aapko monthly SIP karne ki zaroorat hai. Dekho, Fund A ka 3Y return kam stability wala hai, lekin Fund B ka return thoda kam hai lekin bahut hi stable hai. Haan, Fund B ka consistency level Fund A se zyada hai, jo bahut hi achha hai. Sach ye hai, Fund B aapke monthly SIP ke liye behtar hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye, hum aapko batayenge ki dono fundon mein kya kya achanak hai. Dekho, Fund A ka riskometer very high hai, jo kafi risk wala hai. Lekin Sharpe ratio 0.92 hai, jo acha hai. Fund B ka riskometer low hai, jo bahut hi achha hai. Lekin Sharpe ratio 3.91 hai, jo bahut hi achha hai. Haan, Fund B ka expense ratio 0.12% hai, jo bahut hi kam hai. Sach ye hai, Fund B aapke risk-adjusted returns ke liye behtar hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, hum aapko batayenge ki dono fundon mein kya kya achanak hai. Dekho, Fund A ka asset allocation equity mein 93.46% hai, jo bahut hi achha hai. Lekin top holdings concentration bahut hi jyada hai, jo kafi risk wala hai. Fund B ka asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai, jo bahut hi achha hai. Haan, top holdings concentration Fund B se bahut hi kam hai, jo bahut hi achha hai. Sach ye hai, Fund B aapke portfolio diversification ke liye behtar hai.
SIP Calculator – Compare Growth Potential
HDFC Mid Cap Fund
₹2221540.12
@22.3% annual return (3Y)
UTI 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?
Answer based on 5Y/3Y returns. Fund A ka 5Y return 20.24% hai, jo Fund B ka 5Y return 6.11% se zyada hai. Lekin Fund B ka 3Y return 6.93% hai, jo Fund A ka 3Y return 22.29% se kam hai. Haan, Fund B ka long-run return stability Fund A se kam hai, lekin riskometer low hai, jo bahut hi achha hai. Sach ye hai, Fund A aapke long-run returns ke liye behtar hai.
Q2: Is the higher risk fund worth it?
Answer comparing volatility and Sharpe ratio. Fund A ka volatility 17.17 hai, jo Fund B ka volatility 0.11 se zyada hai. Lekin Fund A ka Sharpe ratio 0.92 hai, jo Fund B ka Sharpe ratio 3.91 se kam hai. Haan, Fund A ka riskometer very high hai, jo kafi risk wala hai. Lekin Fund A ka return Fund B se zyada hai, lekin risk bhi zyada hai. Sach ye hai, Fund B aapke risk-adjusted returns ke liye behtar hai.
Q3: Which fund is more cost-effective?
Answer comparing expense ratio and exit load (if provided). Fund B ka expense ratio 0.12% hai, jo Fund A ka expense ratio 0.73% se kam hai. Haan, Fund B ka exit load N/A hai, jo Fund A ka exit load N/A se kam hai. Sach ye hai, Fund B aapke cost-effectiveness ke liye behtar 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