SBI Liquid Fund vs HDFC Small Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
15.78%
Dekho, aaj hum do fundon ka comparision karne wale hain - SBI Liquid Fund aur HDFC Small Cap Fund. Ye dono fund alag-alag category mein hain, liquid aur small cap. Aaj hum jaante hain ki kis fund mein long-term wealth creation ki safalta hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHDFC Small Cap Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Small Cap |
| NAV (₹) | 4351.16 | 152.64 |
| AUM (₹ Cr) | 7.12 Lac Cr | 3.82 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.73% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 16.9 |
| Sharpe Ratio | 3.25 | 0.55 |
| 1 Year Return (%) | 6.15% | 0.2% |
| 3 Year Return (%) | 6.89% | 15.78% |
| 5 Year Return (%) | 6.09% | 18.08% |
| Since Launch (%) | 6.79% | 18.02% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 30 June 2014 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | Chirag Setalvad; Dhruv Muchhal (11.9 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Smallcap 250 TRI |
| Top 3 Holdings | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) | Aster DM Healthcare Ltd. (4.42%), Bank Of Baroda (3.23%), Firstsource Solutions Ltd. (3.17%) |
| Asset Allocation | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% | Equity: 90.45% |
| Portfolio Turnover | 260% | 6% |
🤖 AI Verdict – Which is Better?
Sach ye hai, HDFC Small Cap Fund aage hai long-term wealth creation mein. Iska 3Y return 15.78% hai, jo SBI Liquid Fund ke 3Y return se 9.89% adhik hai. Lekin, iska expense ratio 0.73% hai, jo SBI Liquid Fund ke 0.12% se adhik hai. Riskometer aur volatility bhi very high hai. Haan, iska 5Y return 18.08% hai, jo SBI Liquid Fund ke 6.09% se adhik hai. Chaliye, aaj hum is fund ke baare mein aur jaante hain.
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 Small Cap Fund?
- Expense ratio: 0.73%
- 3Y return: 15.78%
- AUM: 3.82 Lac Cr
- Sharpe Ratio: 0.55
📈 SIP Suitability
HDFC Small Cap Fund ki consistency aur return stability ke liye SBI Liquid Fund se adhik sahi hai. Iska 3Y return 15.78% hai, jo SBI Liquid Fund ke 6.89% se kam hai, lekin iska expense ratio 0.73% hai, jo SBI Liquid Fund ke 0.12% se adhik hai. Dekho, iska 5Y return 18.08% hai, jo SBI Liquid Fund ke 6.09% se adhik hai. Haan, iska riskometer aur volatility very high hai. To, HDFC Small Cap Fund monthly SIP ke liye aage hai.
⚠️ Risk & Cost Analysis
SBI Liquid Fund ki riskometer low hai, jo HDFC Small Cap Fund ke very high riskometer se kam hai. Iska volatility bhi 0.12 hai, jo HDFC Small Cap Fund ke 16.9 se kam hai. Sharpe ratio bhi 3.25 hai, jo HDFC Small Cap Fund ke 0.55 se adhik hai. Expense ratio bhi 0.12% hai, jo HDFC Small Cap Fund ke 0.73% se kam hai. Haan, iska 3Y return 6.89% hai, jo HDFC Small Cap Fund ke 15.78% se kam hai. Chaliye, aaj hum is fund ke baare mein aur jaante hain.
📊 Portfolio Diversification
HDFC Small Cap Fund ki asset allocation equity mein 90.45% hai, jo SBI Liquid Fund ki asset allocation se alag hai. Iska top holdings concentration bhi adhik hai, jo SBI Liquid Fund ke top holdings concentration se adhik hai. Dekho, iska sector risk bhi adhik hai, jo SBI Liquid Fund ke sector risk se adhik hai. Haan, iska 5Y return 18.08% hai, jo SBI Liquid Fund ke 6.09% se adhik hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@6.9% annual return (3Y)
HDFC Small Cap Fund
₹1462201.27
@15.8% 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?
HDFC Small Cap Fund aage hai long-term returns mein. Iska 5Y return 18.08% hai, jo SBI Liquid Fund ke 6.09% se adhik hai.
Q2: Is the higher risk fund worth it?
HDFC Small Cap Fund ka riskometer very high hai, jo SBI Liquid Fund ke low riskometer se adhik hai. Lekin, iska 5Y return 18.08% hai, jo SBI Liquid Fund ke 6.09% se adhik hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund expense ratio 0.12% hai, jo HDFC Small Cap Fund ke 0.73% se kam hai. Haan, iska 3Y return 6.89% hai, jo HDFC Small Cap Fund ke 15.78% se kam 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