SBI Liquid Fund vs HDFC Top 100 Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.89%
3Y Return
11.02%
Mujhe lagta hai ki aapne kai baar mutual funds ke baare mein suna hoga, lekin aaj hum do aise funds ke baare mein baat karenge jo aapke long-term wealth creation ke liye bahut useful hain. Fund A SBI Liquid Fund hai, jo ek liquid fund hai, aur Fund B HDFC Top 100 Fund hai, jo ek large cap fund hai. Dekho, aaj hum in do funds ke comparison ke baare mein baat karenge.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 14.66 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 0.31% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.05 |
| Sharpe Ratio | 3.25 | 0.35 |
| 1 Year Return (%) | 6.15% | -2.86% |
| 3 Year Return (%) | 6.89% | 11.02% |
| 5 Year Return (%) | 6.09% | 10.33% |
| Since Launch (%) | 6.79% | 9.47% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 23 February 2022 |
| Exit Load | Nil | Nil |
| Fund Manager | Ruchit Mehta; Ardhendu Bhattacharya (3.2 years yrs) | 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 | 260% | 33% |
🤖 AI Verdict – Which is Better?
Mujhe lagta hai ki HDFC Top 100 Fund ismein bhaari risk hai, lekin 3Y me return 11.02% hai, jisse yeh fund aapke long-term wealth creation ke liye bahut useful ho sakta hai. Lekin expense ratio 0.31% hai, jo kafi jyada hai. SBI Liquid Fund mein 5Y return 6.09% hai, expense ratio 0.12% hai, aur riskometer low hai. Sach ye hai, agar aapko long-term wealth creation chahte hain aur risk le sakte hain, to HDFC Top 100 Fund aapke liye better hai, lekin agar aapki investment strategy conservative hai, to SBI Liquid Fund aapke liye better hai.
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 Top 100 Fund?
- Expense ratio: 0.31%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Mujhe lagta hai ki SBI Liquid Fund ismein consistency aur return stability ke liye better hai, lekin HDFC Top 100 Fund mein long-term return zyada hai. Chaliye, agar aapko monthly SIP ke liye invest karna hai, to SBI Liquid Fund aapke liye better hai, lekin agar aapko long-term wealth creation ke liye invest karna hai, to HDFC Top 100 Fund aapke liye better hai.
⚠️ Risk & Cost Analysis
Mujhe lagta hai ki HDFC Top 100 Fund mein riskometer very high hai, volatility 13.05 hai, aur Sharpe ratio 0.35 hai. SBI Liquid Fund mein riskometer low hai, volatility 0.12 hai, aur Sharpe ratio 3.25 hai. Lekin expense ratio mein SBI Liquid Fund 0.12% hai, aur HDFC Top 100 Fund mein 0.31% hai. Sach ye hai, agar aapko risk-adjusted return chahte hain, to SBI Liquid Fund aapke liye better hai, lekin agar aapko long-term wealth creation ke liye invest karna hai, to HDFC Top 100 Fund aapke liye better hai.
📊 Portfolio Diversification
Mujhe lagta hai ki HDFC Top 100 Fund mein asset allocation mein equity 96% hai, aur T-Bills 4% hai. SBI Liquid Fund mein asset allocation mein T-Bills 65% hai, aur CD 20% hai. Top holdings concentration mein HDFC Top 100 Fund mein HDFC Bank Ltd. 8.5% hai, aur ICICI Bank Ltd. 7.8% hai. SBI Liquid Fund mein State Bank of India CD 8.5% hai, aur HDFC Bank CD 7.2% hai. Sach ye hai, agar aapko portfolio diversification chahti hai, to SBI Liquid Fund aapke liye better hai, lekin agar aapko long-term wealth creation ke liye invest karna hai, to HDFC Top 100 Fund aapke liye better hai.
SIP Calculator – Compare Growth Potential
SBI Liquid Fund
₹865144.00
@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?
HDFC Top 100 Fund mein 5Y return 10.33% hai, aur 3Y return 11.02% hai, jisse yeh fund long run mein better return de sakta hai. Lekin SBI Liquid Fund mein 5Y return 6.09% hai, jisse yeh fund long run mein better return de sakta hai.
Q2: Is the higher risk fund worth it?
HDFC Top 100 Fund mein riskometer very high hai, aur volatility 13.05 hai, lekin Sharpe ratio 0.35 hai. SBI Liquid Fund mein riskometer low hai, aur volatility 0.12 hai, aur Sharpe ratio 3.25 hai. Sach ye hai, agar aapko risk-adjusted return chahte hain, to SBI Liquid Fund aapke liye better hai, lekin agar aapko long-term wealth creation ke liye invest karna hai, to HDFC Top 100 Fund aapke liye better hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund mein expense ratio 0.12% hai, aur HDFC Top 100 Fund mein expense ratio 0.31% hai. Sach ye hai, agar aapko cost-effectiveness chahti hai, to SBI Liquid Fund aapke liye better 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