Aditya Birla Sun Life Floating Interest Rates Fund vs HDFC Floating Interest Rates Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Floating Interest Rates Fund and HDFC Floating Interest Rates Fund are both Floater funds. In the 3 years to 30-10-2026, Aditya Birla Sun Life Floating Interest Rates Fund (Direct) returned 7.3% a year and HDFC Floating Interest Rates Fund (Direct) returned 7.3% a year. Aditya Birla Sun Life Floating Interest Rates Fund charges 0.25% a year and HDFC Floating Interest Rates Fund 0.27% (Direct plans). Their portfolios overlap 13.7%: they hold 30 of the same securities.
Aditya Birla Sun Life Floating Interest Rates Fund
Floater
- 3 year return
- 7.3%
- Expense ratio
- 0.25%
- NAV
- ₹386.52
HDFC Floating Interest Rates Fund
Floater
- 3 year return
- 7.3%
- Expense ratio
- 0.27%
- NAV
- ₹54.90
Which is better, Aditya Birla Sun Life Floating Interest Rates or HDFC Floating Interest Rates? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC Floating Interest Rates returned more over 5 years: 6.8% a year against 6.8%.
- HDFC Floating Interest Rates returned more over 3 years: 7.3% a year against 7.3%.
- Aditya Birla Sun Life Floating Interest Rates costs less: 0.25% a year against 0.27% (Direct plans).
- Aditya Birla Sun Life Floating Interest Rates swung less over 3 years: a standard deviation of 0.6% a year against 0.7%.
- HDFC Floating Interest Rates fell less in its worst fall since 29-05-2013: −1.3% against −1.8%.
- HDFC Floating Interest Rates is the larger fund: ₹15,659 Cr against ₹12,971 Cr.
- Their portfolios overlap 13.7%: 30 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Floating Interest Rates Fund | HDFC Floating Interest Rates Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | HDFC Mutual Fund |
| Category | Floater | Floater |
| AUM | ₹12,971 Cr (30-09-2026) | ₹15,659 Cr (30-09-2026) |
| NAV | ₹386.52 (Direct) | ₹54.90 (Direct) |
| Expense ratio (Direct) | 0.25% | 0.27% |
| Expense ratio (Regular) | 0.43% | 0.50% |
| Riskometer | Low to Moderate | Moderate |
| Benchmark | NIFTY Low Duration Debt Index A-I | CRISIL Short Duration Debt A-II Index |
| Launch date | 05-06-2003 | 16-01-2003 |
| Minimum investment | ₹1,000 | ₹100 |
| Lock in | None | None |
| Fund managers | Kaustubh Gupta, Harshil Suvarnkar | Anil Bamboli, Gopal Agrawal |
| Exit load | Nil | NIL |
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Floating Interest Rates Fund (Direct) | +0.14% | +0.99% | +2.81% | +5.60% | +7.28% | +6.77% | +7.11% |
| HDFC Floating Interest Rates Fund (Direct) | 0.00% | +0.53% | +2.57% | +5.17% | +7.35% | +6.78% | +7.16% |
| Floater average | −0.01% | +0.56% | +2.76% | +5.43% | +7.47% | +6.73% | +7.16% |
Category average: the average of the 12 Floater funds, same plan type.
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: Year-wise Returns
| Year | Aditya Birla Sun LifeAditya Birla Sun Life Floating Interest Rates | HDFCHDFC Floating Interest Rates |
|---|---|---|
| 2026to date | +4.55% | +4.17% |
| 2025 | +7.88% | +8.13% |
| 2024 | +8.18% | +8.54% |
| 2023 | +7.69% | +7.87% |
| 2022 | +5.05% | +4.83% |
| 2021 | +3.81% | +4.36% |
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,525 of them, one for each trading day from 30-05-2016 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Floating Interest Rates Fund (Direct)
HDFC Floating Interest Rates Fund (Direct)
to
Mar 2017Jan 2016
to
Jan 2019Oct 2017
to
Oct 2020Jul 2019
to
Jul 2022Apr 2021
to
Apr 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Floating Interest Rates | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.7% | 7.9% | 5.3% | 10.0% |
| HDFC Floating Interest Rates | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.6% | 7.8% | 5.7% | 9.6% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 29-05-2013. Past returns do not promise future returns.
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 29-05-2013 to 30-10-2026: 162 instalments, ₹16,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Floating Interest RatesAditya Birla Sun Life Floating Interest Rates Fund (Direct) | ₹16,20,000 | ₹27,01,396 | ₹10,81,396 | 7.2% |
| HDFC Floating Interest RatesHDFC Floating Interest Rates Fund (Direct) | ₹16,20,000 | ₹27,06,473 | ₹10,86,473 | 7.3% |
Aditya Birla Sun Life Floating Interest RatesAditya Birla Sun Life Floating Interest Rates Fund (Direct)
HDFC Floating Interest RatesHDFC Floating Interest Rates Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Floating Interest Rates Fund (Direct) | HDFC Floating Interest Rates Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.60% | +5.17% |
| Standard deviation | 0.69% | 0.97% |
| Sharpe ratio | 0.51 | -0.07 |
| Sortino ratio | 0.74 | -0.10 |
| Maximum drawdown | −0.2% (23-10-2026) | −0.4% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Floating Interest Rates Fund (Direct) | HDFC Floating Interest Rates Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.28% | +7.35% |
| Standard deviation | 0.56% | 0.72% |
| Sharpe ratio | 2.25 | 1.83 |
| Sortino ratio | 3.72 | 2.72 |
| Maximum drawdown | −0.2% (23-10-2026) | −0.4% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Floating Interest Rates Fund (Direct) | HDFC Floating Interest Rates Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.77% | +6.78% |
| Standard deviation | 0.55% | 0.70% |
| Sharpe ratio | 1.79 | 1.39 |
| Sortino ratio | 2.76 | 1.97 |
| Maximum drawdown | −0.4% (06-05-2022) | −0.5% (06-05-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Floating Interest Rates Fund (Direct) | HDFC Floating Interest Rates Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.75% | +7.72% |
| Standard deviation | 0.83% | 0.78% |
| Sharpe ratio | 2.12 | 2.15 |
| Sortino ratio | 3.76 | 3.46 |
| Maximum drawdown | −1.8% (24-03-2020) | −1.3% (24-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-05-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Floating Interest Rates Fund (Direct)
HDFC Floating Interest Rates Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Floating Interest Rates Fund (Direct) | −1.8% | 05-03-2020 | 24-03-2020 | 27-03-2020 | 3 days | −0.0% |
| HDFC Floating Interest Rates Fund (Direct) | −1.3% | 06-03-2020 | 24-03-2020 | 27-03-2020 | 3 days | −0.1% |
From daily values since 29-05-2013, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Floating Interest Rates Fund (Direct)
HDFC Floating Interest Rates Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Floating Interest Rates Fund (Direct)
HDFC Floating Interest Rates Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Floating Interest Rates Fund (Direct)
HDFC Floating Interest Rates Fund (Direct)
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Floating Interest Rates Fund, September 2026; HDFC Floating Interest Rates Fund, September 2026
Holdings in common
- Overlap
- 13.7%
- Held by both
- 30
- Only in Aditya Birla Sun Life Floating Interest Rates
- 161
- Only in HDFC Floating Interest Rates
- 110
| Security | % of Aditya Birla Sun Life Floating Interest Rates | % of HDFC Floating Interest Rates |
|---|---|---|
| 7.48% National Bank for Agriculture and Rural Development (15/09/2028) | 3.45% | 2.54% |
| 7.00% Small Industries Development Bank of India (04/06/2029) (FRN) | 2.70% | 1.76% |
| 7.55% Poonawalla Fincorp Ltd. (25/03/2027) | 1.15% | 0.96% |
| Small Industries Development Bank of India (04/02/2027) | 0.94% | 0.94% |
| Government of India (30/10/2034) (FRB) | 0.67% | 3.28% |
| 7.34% TATA Capital Ltd. (21/02/2029) (FRN) | 1.34% | 0.64% |
| 8.10% Bajaj Housing Finance Ltd. (08/07/2027) | 0.57% | 1.28% |
| 7.83% Bajaj Housing Finance Ltd. (18/05/2029) | 0.43% | 0.63% |
| 7.34% Small Industries Development Bank of India (26/02/2029) | 0.38% | 1.26% |
| Canara Bank (28/01/2027) | 0.38% | 0.94% |
| Small Industries Development Bank of India (28/01/2027) | 0.38% | 0.62% |
| Canara Bank (04/03/2027) | 0.34% | 0.47% |
| India Universal Trust AL2 (21/09/2027) | 0.33% | 0.49% |
| 7.46% REC Ltd. (30/06/2028) | 0.58% | 0.32% |
| Corporate Debt Mkt Devp. Fund-A2 | 0.31% | 0.32% |
| Small Industries Development Bank of India (18/02/2027) | 0.75% | 0.31% |
| Punjab National Bank (04/02/2027) | 0.56% | 0.31% |
| Union Bank of India (15/03/2027) | 0.26% | 0.62% |
| 6.87% REC Ltd. (31/05/2030) | 0.26% | 0.77% |
| Punjab National Bank (05/02/2027) | 0.19% | 0.31% |
| Canara Bank (02/03/2027) | 0.19% | 0.93% |
| 6.78% Indian Railway Finance Corporation Ltd. (30/04/2030) | 0.19% | 0.31% |
| 7.08% Bajaj Housing Finance Ltd. (12/06/2030) | 0.19% | 0.61% |
| Siddhivinayak Securitisation Trust (28/09/2030) | 0.18% | 2.44% |
| 7.10% Bajaj Housing Finance Ltd. (16/10/2028) | 0.57% | 0.17% |
| 6.60% REC Ltd. (30/06/2027) | 1.26% | 0.16% |
| 7.90% Jamnagar Utilities & Power Pvt. Ltd. (10/08/2028) | 0.39% | 0.16% |
| India Universal Trust AL1 (20/03/2027) | 0.12% | 0.12% |
| 7.89% Power Grid Corporation of India Ltd. (09/03/2027) | 0.19% | 0.08% |
| 7.96% Pipeline Infrastructure Pvt Ltd. (11/03/2027) | 0.02% | 0.48% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 13.7% means 13.7% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Floating Interest Rates Fund
| Security | % of fund |
|---|---|
| Government of India (22/09/2033) (FRB) | 7.46% |
| 7.20% Knowledge Realty Trust (26/09/2028) | 2.29% |
| HDFC Bank Ltd. (15/01/2027) | 2.27% |
| 7.30% Bharti Telecom Ltd. (01/12/2027) | 2.02% |
| Union Bank of India (16/03/2027) | 1.87% |
Largest holdings only in HDFC Floating Interest Rates Fund
| Security | % of fund |
|---|---|
| 6.64% GOI MAT 071231 | 6.97% |
| Shivshakti Securitisation Trust (Originator - Sikka Ports & Terminals Limited) | 4.24% |
| Jubilant Beverages Limited | 3.12% |
| National Bank for Agri & Rural Dev. | 2.35% |
| National Bank for Agri & Rural Dev. | 2.23% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Floating Interest Rates | HDFC Floating Interest Rates |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 96.8% | 96.3% |
| Cash and others | 3.2% | 3.7% |
Aditya Birla Sun Life Floating Interest Rates vs HDFC Floating Interest Rates: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Floating Interest Rates Fund | HDFC Floating Interest Rates Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.25% | 0.27% |
| Base expense ratio (Direct) | 0.21% | 0.23% |
| Total expense ratio (Regular) | 0.43% | 0.50% |
| Base expense ratio (Regular) | 0.36% | 0.43% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Aditya Birla Sun Life Floating Interest Rates with
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Compare HDFC Floating Interest Rates with
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- HDFC Floating Interest Rates vs Bandhan Floating Interest Rates
- HDFC Floating Interest Rates vs ICICI Prudential Floating Interest Rates
- HDFC Floating Interest Rates vs Kotak Floating Interest Rates
Aditya Birla Sun Life Floating Interest Rates Fund vs HDFC Floating Interest Rates Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Floating Interest Rates Fund and HDFC Floating Interest Rates Fund?
Both are Floater funds, run by Aditya Birla Sun Life Mutual Fund and HDFC Mutual Fund. Their portfolios overlap 13.7%. Aditya Birla Sun Life Floating Interest Rates Fund charges 0.25% a year and HDFC Floating Interest Rates Fund 0.27%.
Which has given higher returns, Aditya Birla Sun Life Floating Interest Rates Fund or HDFC Floating Interest Rates Fund?
Over 1 year: Aditya Birla Sun Life Floating Interest Rates Fund +5.60%, HDFC Floating Interest Rates Fund +5.17%. Over 3 years: Aditya Birla Sun Life Floating Interest Rates Fund +7.28% a year, HDFC Floating Interest Rates Fund +7.35% a year. Over 5 years: Aditya Birla Sun Life Floating Interest Rates Fund +6.77% a year, HDFC Floating Interest Rates Fund +6.78% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Floating Interest Rates Fund or HDFC Floating Interest Rates Fund?
Aditya Birla Sun Life Floating Interest Rates Fund charges less: 0.25% a year against 0.27%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Floating Interest Rates Fund and HDFC Floating Interest Rates Fund overlap?
13.7%. They hold 30 of the same securities, the largest shared ones being 7.48% National Bank for Agriculture and Rural Development (15/09/2028), 7.00% Small Industries Development Bank of India (04/06/2029) (FRN), 7.55% Poonawalla Fincorp Ltd. (25/03/2027). From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Floating Interest Rates Fund or HDFC Floating Interest Rates Fund?
On SEBI's riskometer, Aditya Birla Sun Life Floating Interest Rates Fund is rated Low to Moderate and HDFC Floating Interest Rates Fund Moderate. Over 3 years, the standard deviation of daily returns was 0.56% and 0.72% a year.
Which is better for SIP, Aditya Birla Sun Life Floating Interest Rates Fund or HDFC Floating Interest Rates Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,30,059 in Aditya Birla Sun Life Floating Interest Rates Fund (XIRR 7.0% a year) and ₹7,30,459 in HDFC Floating Interest Rates Fund (XIRR 7.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Floating Interest Rates Fund and HDFC Floating Interest Rates Fund?
Yes. 13.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Floating Interest Rates Fund and HDFC Floating Interest Rates Fund?
Aditya Birla Sun Life Floating Interest Rates Fund: Kaustubh Gupta, Harshil Suvarnkar. HDFC Floating Interest Rates Fund: Anil Bamboli, Gopal Agrawal.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.