HDFC Flexi Cap Fund vs Aditya Birla Sun Life Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.85%
dekho, aaj hum multi cap fund HDFC Flexi Cap Fund aur liquid fund Aditya Birla Sun Life Liquid Fund ki comparison karenge. yeh dono funds alag categories mein aate hain, lekin dono hi apne-apne tareeke se faydemand ho sakte hain. is article mein hum jaanenge ki kaunsa fund long-term wealth creation ke liye behtar hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BAditya Birla Sun Life Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Aditya Birla Sun Life |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 443.77 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.43 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.13 |
| Sharpe Ratio | 0.87 | 2.69 |
| 1 Year Return (%) | -0.81% | 6.09% |
| 3 Year Return (%) | 17.84% | 6.85% |
| 5 Year Return (%) | 17.6% | 6.05% |
| Since Launch (%) | 14.35% | 20.09% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Mahesh Patil (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.5%), ICICI Bank Ltd. (5.8%), Reliance Industries Ltd. (4.9%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 97.00% | T-Bills: 3.00% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 26% | 279% |
🤖 AI Verdict – Which is Better?
haan, agar hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Flexi Cap Fund long-term wealth creation ke liye behtar hai. iska 3Y return 17.84% hai, jo Aditya Birla Sun Life Liquid Fund ke 6.85% se zyada hai, lekin risk bhi zyada hai.
Why consider HDFC Flexi Cap Fund?
- Expense ratio: 0.67%
- 3Y return: 17.84%
- AUM: 10.05 Lac Cr
- Sharpe Ratio: 0.87
Why consider Aditya Birla Sun Life Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.85%
- AUM: 3.43 Lac Cr
- Sharpe Ratio: 2.69
📈 SIP Suitability
chaliye, SIP ke liye dekhein, to HDFC Flexi Cap Fund behtar hai kyunki iska long-term consistency accha hai. lekin Aditya Birla Sun Life Liquid Fund bhi stable returns deta hai, jo short-term SIP ke liye theek hai.
⚠️ Risk & Cost Analysis
sach ye hai, risk aur cost ko compare karte waqt, Aditya Birla Sun Life Liquid Fund ka riskometer low hai aur volatility bhi kam hai. iska Sharpe ratio bhi accha hai, jo risk-adjusted returns ko darshata hai. expense ratio bhi kam hai, jo 0.12% hai.
📊 Portfolio Diversification
dekho, asset allocation ki baat karein, to HDFC Flexi Cap Fund ka 97% equity mein invest hai, jo high-risk high-return strategy hai. Aditya Birla Sun Life Liquid Fund ka asset allocation zyada diversified hai, jismein T-Bills, CD, CP, aur cash shamil hain.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Aditya Birla Sun Life Liquid Fund
₹863216.47
@6.8% 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 Flexi Cap Fund ka 5Y return 17.6% hai, jo Aditya Birla Sun Life Liquid Fund ke 6.05% se zyada hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ko dekha jaaye, to HDFC Flexi Cap Fund ka risk zyada hai, lekin returns bhi zyada hai, jo iska Sharpe ratio 0.87 hai.
Q3: Which fund is more cost‑effective?
Aditya Birla Sun Life Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund ke 0.67% 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