Old Bridge Mutual Fund Liquid Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
11.02%
Main bhai, aaj hum do mutual funds ke beech comparison karne ja rahe hain - Old Bridge Mutual Fund Liquid Fund aur HDFC Top 100 Fund. Ye dono funds alag-alag categories mein aate hain aur humein pata chalna hoga ki kis fund mein long-term wealth creation ke liye invest karna hoga.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | HDFC Mutual Fund |
| Category | Liquid Fund | Large Cap |
| NAV (₹) | 5622.79 | 14.66 |
| AUM (₹ Cr) | 4.73 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.31% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.05 |
| Sharpe Ratio | 3.58 | 0.35 |
| 1 Year Return (%) | 6.17% | -2.86% |
| 3 Year Return (%) | 6.93% | 11.02% |
| 5 Year Return (%) | 6.11% | 10.33% |
| Since Launch (%) | 50.63% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Rahul Baijal; Roshi Jain (4.1 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty 50 |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (8.5%), ICICI Bank Ltd. (7.8%), Reliance Industries Ltd. (6.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 96.00% | T-Bills: 4.00% |
| Portfolio Turnover | 239% | 33% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye humein 3Y return, expense ratio, aur risk ke liye dekhte hain. Fund A ka 3Y return 6.93% hai, jabki Fund B ka 3Y return 11.02% hai. Lekin Fund B ka expense ratio 0.31% hai, jo Fund A ke expense ratio 0.12% se adhik hai. Riskometer mein bhi Fund B Very High hai, jabki Fund A Low hai. Haan, to humein lagta hai ki Fund A long-term wealth creation ke liye better fund hai.
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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye humein consistency aur return stability kaa dhyan rakhna hoga. Fund A ka 1Y return 6.17% hai, jabki Fund B ka 1Y return -2.86% hai. Lekin Fund A ka 3Y return 6.93% hai, jabki Fund B ka 3Y return 11.02% hai. Chaliye, Fund B ka SIP plan aur bhi achcha hai, kyunki Fund B ka return stability aur bhi accha hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio kaa comparison karne se pata chalta hai ki Fund A kaa risk-adjusted return better hai. Fund A ka riskometer Low hai, jabki Fund B ka Very High hai. Volatility mein bhi Fund A ka 0.12% adhik accha hai, jabki Fund B ka 13.05% hai. Sharpe ratio mein bhi Fund A ka 3.58% adhik accha hai, jabki Fund B ka 0.35% hai. Haan, to Fund A cost-effective aur bhi hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration kaa comparison karne se pata chalta hai ki Fund A kaa portfolio diversified hai. Fund A ka asset allocation T-Bills, CD, CP, aur Cash mein 65%, 20%, 10%, aur 5% hai. Lekin Fund B ka asset allocation Equity mein 96% hai, jabki T-Bills mein 4% hai. Top holdings concentration mein bhi Fund A kaa concentration adhik accha hai, kyunki Fund A ka top 3 holdings State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein 8.5%, 7.2%, aur 6.8% hai. Haan, to Fund A portfolio diversified aur bhi hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HDFC Top 100 Fund
₹1096225.54
@11.0% 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?
Long run mein Fund B better returns deta hai, kyunki uska 3Y return 11.02% hai. Lekin 5Y return mein Fund A 6.11% return deta hai, jabki Fund B 10.33% return deta hai.
Q2: Is the higher risk fund worth it?
High risk Fund B hai, lekin uska Sharpe ratio 0.35% hai, jo Fund A ka 3.58% se kam hai. Haan, to high risk Fund B ke liye sirf apne risk-taking capacity ka dhyan rakhna hoga.
Q3: Which fund is more cost-effective?
Expense ratio mein Fund A 0.12% ka hai, jo Fund B ka 0.31% se kam hai. Haan, to Fund A cost-effective aur bhi 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