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%
Hum aapke paas teen fund options hain, lekin aaj hum SBI Liquid Fund aur HDFC Top 100 Fund ke beech ka comparison karenge, donon hain SEBI-registered aur popular funds hain jinka investment karne ke liye logon ko bada interest hai. Dekho, humein pata chalne par koi bhi fund nahin chunne ke liye koi bhi wajah ho sakti hai, lekin hum is comparison se aapko pata chalega ki aapko kis tarike se invest karna hai.
| Parameter | ASBI Liquid Fund - Direct Plan - Growth | BHDFC Top 100 Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | HDFC Mutual Fund |
| Category | Liquid | Large Cap |
| NAV (₹) | 4351.16 | 11.21 |
| AUM (₹ Cr) | 7.12 Lac Cr | 2.33 Lac Cr |
| Expense Ratio (%) | 0.12% | 1.52% |
| Riskometer | Low | Very High |
| Volatility | 0.12 | 13.06 |
| 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% | 4.79% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 1 January 2013 | 25 June 2014 |
| 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?
Agar aap long-term wealth creation ke liye ek fund chunna chahte hain, toh humaara verdict hai ki HDFC Top 100 Fund betar hai. Iska 3Y return 11.02% hai, jo SBI Liquid Fund ke 6.89% se adhik hai. Lekin, HDFC Top 100 Fund ke expense ratio 1.52% hai, jo SBI Liquid Fund ke 0.12% se adhik hai. Haan, HDFC Top 100 Fund ke riskometer Very High hai, lekin agar aap long-term wealth creation ke liye ek fund chun rahen hain, toh iska jyada risk le sakte hain.
[SIP_SUITABILITY]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: 1.52%
- 3Y return: 11.02%
- AUM: 2.33 Lac Cr
- Sharpe Ratio: 0.35
📈 SIP Suitability
Aapko pata hai ki SIP (Systematic Investment Plan) long term ke liye accha hai. Dekho, SBI Liquid Fund ki consistency aur return stability HDFC Top 100 Fund ki compare karein. Chaliye, yeh fund 10+ years ke liye accha hai, lekin yeh bhi sach hai ki HDFC Top 100 Fund isme kaam karta hai. Haan, yeh fund ki consistency aur return stability SBI Liquid Fund ki compare karein, yeh fund long term ke liye accha hai.
⚠️ Risk & Cost Analysis
Dekho, yeh fund ki riskometer low hai aur volatility bhi kam hai. Chaliye, yeh fund ki expense ratio bhi kam hai. Haan, yeh fund ki Sharpe ratio bhi acchi hai. Lekin yeh bhi sach hai ki HDFC Top 100 Fund ki riskometer high hai aur volatility bhi jyada hai. Baki, yeh fund ki expense ratio bhi jyada hai. Sach ye hai, yeh fund risk-adjusted returns mein SBI Liquid Fund se jyada accha hai.
📊 Portfolio Diversification
Aapko pata hai ki asset allocation aur top holdings concentration dono hain fund ki diversification ka mahatva. Dekho, SBI Liquid Fund ki asset allocation mein T-Bills, CD, CP, aur cash hain. Chaliye, HDFC Top 100 Fund ki asset allocation mein equity aur T-Bills hain. Haan, SBI Liquid Fund ki top holdings concentration State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills mein hai. Lekin HDFC Top 100 Fund ki top holdings concentration HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. mein hai. Sach ye hai, SBI Liquid Fund ki asset allocation aur top holdings concentration mein HDFC Top 100 Fund se thodi kam diversification 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 ki 3Y return 11.02% hai, lekin yeh fund ki 5Y return 10.33% hai. Baki, SBI Liquid Fund ki 3Y return 6.89% hai, lekin yeh fund ki 5Y return 6.09% hai. Haan, yeh fund long-term ke liye accha hai.
Q2: Is the higher risk fund worth it?
HDFC Top 100 Fund ki riskometer high hai aur volatility bhi jyada hai, lekin yeh fund ki Sharpe ratio 0.35 hai. Baki, SBI Liquid Fund ki riskometer low hai aur volatility bhi kam hai, lekin yeh fund ki Sharpe ratio 3.25 hai. Haan, yeh fund higher risk fund hai, lekin yeh fund ki Sharpe ratio kam hai.
Q3: Which fund is more cost-effective?
SBI Liquid Fund ki expense ratio 0.12% hai, lekin HDFC Top 100 Fund ki expense ratio 1.52% hai. Haan, yeh fund more 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