SBI Liquid Fund vs HDFC Infra Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
7.4%
Acche din ke liye investment mein dhairya aur sahi fund ka chayan zaroori hai, lekin kya aapko pata hai ki kis fund se aapko better return mil sakta hai? Aaj hum aapko Fund A - SBI Liquid Fund aur Fund B - HDFC Infra Fund ke beech ki comparison karne ja raha hain. Dekho, aap apne paiso ko kis fund mein invest karne ka faisla karenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHDFC Infra Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Thematic |
| NAV (₹) | 4351.16 | 33.77 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.19 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.5% |
| Riskometer | Low | Moderate |
| Volatility | 0.12 | 14.88 |
| Sharpe Ratio | 3.25 | 0.06 |
| 1 Year Return (%) | 6.15% | 6.36% |
| 3 Year Return (%) | 6.89% | 7.4% |
| 5 Year Return (%) | 6.09% | 6.49% |
| Since Launch (%) | 6.79% | 6.63% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Roshi Jain (3.5 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Infrastructure TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | HDFC Bank Ltd. (5.8%), ICICI Bank Ltd. (5.2%), Larsen & Toubro Ltd. (4.9%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 95.00% | T-Bills: 5.00% |
| Portfolio Turnover | 260% | 35% |
🤖 AI Verdict – Which is Better?
Long-term wealth creation ke liye, hamare paas kai parameters hain jaise ki 3Y return, expense ratio, aur riskometer. Haan, Fund B - HDFC Infra Fund ko lekar dekho, yeh fund moderate riskometer ke saath 7.4% 3Y return deti hai, lekin yeh expense ratio 0.5% hai jisse Fund A - SBI Liquid Fund ke 0.12% expense ratio se zyada mahanga hai. Lekin, yeh bhi sach hai ki 3Y return mein Fund B se bhi kam hai. Toh, hamara verdict hai ki Fund A - SBI Liquid Fund better fund hai long-term wealth creation ke liye.
Why consider SBI Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.89%
- AUM: 7.12 Lac Cr
- Sharpe Ratio: 3.25
Why consider HDFC Infra Fund?
- Expense ratio: 0.5%
- 3Y return: 7.4%
- AUM: 2.19 Lac Cr
- Sharpe Ratio: 0.06
📈 SIP Suitability
Monthly SIP ke liye, hamare paas consistency aur return stability ka dhyan rakhna hoga. Fund A - SBI Liquid Fund ki 1Y return 6.15% hai aur 3Y return 6.89% hai, jo ki Fund B - HDFC Infra Fund ke 1Y return 6.36% aur 3Y return 7.4% se kuch kam hai. Lekin, yeh bhi dhyaan rakhna hoga ki Fund A ki volatility 0.12 hai, jo ki Fund B ki 14.88 ke mukable kam hai. Chaliye, SIP suitability ke liye Fund A - SBI Liquid Fund better fund hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio ke liye, hamare paas Fund A - SBI Liquid Fund aur Fund B - HDFC Infra Fund ke beech ki comparison kar sakte hain. Fund A ki riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.25 hai, jo ki Fund B ki 14.88 volatility aur 0.06 Sharpe ratio se kuch kam hai. LeKin, yeh bhi sach hai ki Fund A ki expense ratio 0.12% hai, jo ki Fund B ki 0.5% se kuch kam hai. Toh, yeh pata chalta hai ki Fund A - SBI Liquid Fund me se risk-adjusted returns ke liye better fund hai.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration ke liye, hamare paas Fund A - SBI Liquid Fund aur Fund B - HDFC Infra Fund ke beech ki comparison kar sakte hain. Fund A ki asset allocation T-Bills, CD, CP, aur cash mein 65%, 20%, 10%, aur 5% hai, jo ki Fund B ki asset allocation equity aur T-bills mein 95% aur 5% hai. Lekin, yeh bhi sach hai ki Fund A ki top holdings concentration state bank of India CD, HDFC bank CD, aur Reliance Industries T-bills mein 8.5%, 7.2%, aur 6.8% hai, jo ki Fund B ki top holdings concentration HDFC bank Ltd, ICICI bank Ltd, aur Larsen & Toubro Ltd mein 5.8%, 5.2%, aur 4.9% hai. Toh, yeh pata chalta hai ki Fund A - SBI Liquid Fund me se portfolio diversification ke liye better fund hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
HDFC Infra Fund
₹890195.03
@7.4% 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 A - SBI Liquid Fund ki 5Y return 6.09% hai, jo ki Fund B - HDFC Infra Fund ki 5Y return 6.49% se kuch kam hai. Lekin, yeh bhi dhyaan rakhna hoga ki Fund A ki expense ratio 0.12% hai, jo ki Fund B ki 0.5% se kuch kam hai.
Q2: Is the higher risk fund worth it?
Sach ye hai, Fund B - HDFC Infra Fund ki volatility 14.88 hai, jo ki Fund A - SBI Liquid Fund ki 0.12 volatility se kuch zyada hai. Lekin, yeh bhi sach hai ki Fund B ki Sharpe ratio 0.06 hai, jo ki Fund A ki 3.25 Sharpe ratio se kuch kam hai. Toh, yeh pata chalta hai ki Fund B - HDFC Infra Fund me se higher risk fund worth nahi hai.
Q3: Which fund is more cost-effective?
Sach ye hai, Fund A - SBI Liquid Fund ki expense ratio 0.12% hai, jo ki Fund B - HDFC Infra Fund ki 0.5% se kuch kam hai. Lekin, yeh bhi dhyaan rakhna hoga ki Fund A ki volatility 0.12 hai, jo ki Fund B ki 14.88 volatility se kuch kam hai. Toh, yeh pata chalta hai ki Fund A - SBI Liquid Fund me se more 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