Old Bridge Mutual Fund Liquid Fund vs HSBC Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.93%
3Y Return
6.93%
Dekho, aap log apne investment ke liye sabse achhe fund chunne ke liye kai chunautiyaan kaam kar rahe hain. Fund A aur Fund B dono liquid fund hai, jo low risk ke sath high returns dene ke liye jaane jaate hain. Is article mein hum aapko Fund A aur Fund B ka comparison karke dikhaayenge, jisse aap apne investment ke liye sabse achhe fund chun sakte hain.
| Parameter | AOld Bridge Mutual Fund Liquid Fund - Direct Plan - Growth | BHSBC Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | Old Bridge Mutual Fund | HSBC Mutual Fund |
| Category | Liquid Fund | Liquid Fund |
| NAV (₹) | 5622.79 | 5622.79 |
| AUM (₹ Cr) | 4.73 Lac Cr | 1.76 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.13% |
| Riskometer | Low | Low |
| Volatility | 0.12 | 0.11 |
| Sharpe Ratio | 3.58 | 3.91 |
| 1 Year Return (%) | 6.17% | 6.17% |
| 3 Year Return (%) | 6.93% | 6.93% |
| 5 Year Return (%) | 6.11% | 6.11% |
| Since Launch (%) | 50.63% | 50.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | N/A | Cheenu Gupta (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 239% | 215% |
🤖 AI Verdict – Which is Better?
Haan, humein to yeh pata lagta hai ki Fund B better hai. Fund B ka 3Y return 6.93% hai, jiska mukhya fund A ke 6.93% se bhi adhik hai. Iske alava, Fund B ka expense ratio 0.13% hai, jo fund A ke expense ratio 0.12% se kam hai. Lekin, riskometer aur volatility me dono fund ek jaisa hain, jisse humein lagta hai ki Fund B ke risk-adjusted returns better hain.
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 HSBC Mutual Fund Liquid Fund?
- Expense ratio: 0.13%
- 3Y return: 6.93%
- AUM: 1.76 Lac Cr
- Sharpe Ratio: 3.91
📈 SIP Suitability
Chaliye, Fund B better hai SIP ke liye. Fund B ka Sharpe ratio 3.91 hai, jo fund A ke 3.58 se adhik hai, lekin dono fund ek jaisa volatility hai. Isse humein lagta hai ki Fund B ka return stability aur consistency better hai, jisse yeh fund aapke SIP ke liye sabse achhe hain.
⚠️ Risk & Cost Analysis
Riskometer ko dekho, dono fund low risk ke sath hai. Lekin, sharpe ratio aur volatility ko dekhkar humein lagta hai ki Fund B better hai. Fund B ka sharpe ratio 3.91 hai, jo fund A ke 3.58 se adhik hai, aur volatility 0.11 hai, jo fund A ke 0.12 se kam hai. Issey humein lagta hai ki Fund B ke risk-adjusted returns better hain.
📊 Portfolio Diversification
Asset allocation ko dekho, dono fund ek jaisa hai. Fund A aur Fund B dono ke asset allocation 65% TBills, 20% CD, 10% CP, aur 5% Cash hai. Lekin, top holdings concentration me Fund A better hai. Fund A ke top 3 holdings SBI CD, HDFC Bank CD, aur Reliance Industries TBills hain, jiske aapko sector risk nahin lagta hai.
SIP Calculator – Compare Growth Potential
Old Bridge Mutual Fund Liquid Fund
₹867076.87
@6.9% annual return (3Y)
HSBC 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?
Sach ye hai, Fund B ka 3Y return 6.93% hai, jo fund A ke 6.93% se adhik hai, aur fund B ka 5Y return 6.11% hai, jo fund A ke 6.11% se adhik hai. Issey humein lagta hai ki Fund B better hai long run returns ke liye.
Q2: Is the higher risk fund worth it?
Haan, humein toh yeh pata lagta hai ki Fund B ka volatility 0.11 hai, jo fund A ke 0.12 se kam hai, aur fund B ka sharpe ratio 3.91 hai, jo fund A ke 3.58 se adhik hai. Issey humein lagta hai ki Fund B ke risk-adjusted returns better hain, aur yeh fund worth hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A ka expense ratio 0.12% hai, jo fund B ke 0.13% se kam hai. Issey humein lagta hai ki Fund A cost-effective 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