Old Bridge Mutual Fund Liquid Fund vs HDFC ELSS Tax Saver Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
16.22%
Dekho, today hum do mutual funds ke beech comparison karne ja rahe hain - Old Bridge Mutual Fund Liquid Fund aur HDFC ELSS Tax Saver Fund. Ye dono funds alag-alag purposes ke liye upyukt hain. Fund A ek Liquid Fund hai, jiska mukhya uddeshya naye paiso ko sakriya rakhna hai, jabki Fund B ek ELSS (Equity Linked Savings Scheme) hai, jinka uddeshya long-term aur tax savings hai. Chaliye, hum jante hain ki kis fund mein invest karna hai.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BHDFC ELSS Tax Saver Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | HDFC Mutual Fund |
| Category | Liquid Fund | ELSS |
| NAV (₹) | 5622.79 | 1325.00 |
| AUM (₹ Cr) | 4.73 Lac Cr | 1.56 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.24% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.3 |
| Sharpe Ratio | 3.58 | 0.73 |
| 1 Year Return (%) | 6.17% | -5.24% |
| 3 Year Return (%) | 6.93% | 16.22% |
| 5 Year Return (%) | 6.11% | 16.62% |
| Since Launch (%) | 50.63% | 12.04% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Amar Kalkundrikar; Dhruv Muchhal (2.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 500 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | ICICI Bank Ltd. (8.93%), HDFC Bank Ltd. (8.23%), Axis Bank Ltd. (7.22%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.57% | GOI Sec: 0.33% |
| Portfolio Turnover | 239% | 32% |
🤖 AI Verdict – Which is Better?
Haan, yeh sawal sabse aam hai. Fund B ki 3Y return 16.22% hai, jabki Fund A ki 3Y return 6.93% hai. Lekin, expense ratio ke maamle mein Fund A bahut hee kam kharcha karta hai, 0.12% hi. Riskometer ke maamle mein bhi Fund A bahut hee kam risk hai, Very High ke bajay Low hai. Toh, hum kahaingey ki Fund A hai long-term wealth creation ke liye behtar fund.
Why consider Old Bridge Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.93%
- AUM: 4.73 Lac Cr
- Sharpe Ratio: 3.58
Why consider HDFC ELSS Tax Saver Fund?
- Expense ratio: 1.24%
- 3Y return: 16.22%
- AUM: 1.56 Lac Cr
- Sharpe Ratio: 0.73
📈 SIP Suitability
SIP Suitability ke maamle mein, hum dekh rahe hain ki Fund A ki consistency aur return stability ke liye kaisa hai. Fund A ki 1Y return 6.17% hai, jabki Fund B ki 1Y return -5.24% hai. Isse lagta hai ki Fund A SIP ke liye behtar fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio aur expense ratio ke maamle mein hum dekh rahe hain ki kis fund mein kya hai. Fund A ki riskometer Low hai, jabki Fund B ki Very High hai. Volatility ke maamle mein bhi Fund A bahut hee kam hai, 0.12% hi. Sharpe ratio ke maamle mein bhi Fund A bahut bhi accha hai, 3.58 hai. Isliye, hum kahaingey ki Fund A hai risk-adjusted returns ke liye behtar fund.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke maamle mein hum dekh rahe hain ki kis fund mein kya hai. Fund A ki asset allocation T-Bills, CD, CP aur Cash mein hai, jabki Fund B ki asset allocation Equity mein hai. Isse lagta hai ki Fund A ki portfolio diversification bahut hee acchi hai. Top holdings concentration ke maamle mein bhi Fund A bahut hee kam hai, 8.5% hi.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HDFC ELSS Tax Saver Fund
₹1502840.21
@16.2% 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 ki Fund B ki 5Y return 16.62% hai jiska mukhya uddeshya long-term aur tax savings hai. Lekin, Fund A ki consistency aur return stability ke liye bhi acchi hai.
Q2: Is the higher risk fund worth it?
Haan, yeh sawal sabse aam hai. Fund B ki volatility bahut hee jyada hai, 13.3 hai. Lekin, Sharpe ratio ke maamle mein Fund B bahut hee accha hai, 0.73 hai. Toh, yeh sawal ki Fund B ka higher risk worth hai ya nahi, hum kahaingey ki Fund A hai risk-adjusted returns ke liye behtar fund.
Q3: Which fund is more cost-effective?
Sach ye hai ki Fund A ka expense ratio bahut hee kam hai, 0.12% hi. Fund B ka expense ratio 1.24% hai. Isliye, hum kahaingey ki Fund A hai more cost-effective fund.
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