HDFC Flexi Cap Fund vs Angel One Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.76%
dekho, humne do alag-alag category ke funds ko compare kiya hai, Multi Cap aur Liquid Fund. Fund A, HDFC Flexi Cap Fund, ek Multi Cap fund hai, jabki Fund B, Angel One Mutual Fund Liquid Fund, ek Liquid Fund hai. Chaliye, hum dekhte hain ki inme se kaunsa fund aapke liye better hai.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BAngel One Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 2132.04 |
| AUM (₹ Cr) | 10.05 Lac Cr | 4.67 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 2.36 |
| 1 Year Return (%) | -0.81% | 6.03% |
| 3 Year Return (%) | 17.84% | 6.76% |
| 5 Year Return (%) | 17.6% | 5.95% |
| Since Launch (%) | 14.35% | 6.23% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 13 November 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | N/A |
| 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% | 221% |
🤖 AI Verdict – Which is Better?
Haan, agar aap long-term wealth creation ke liye investment kar rahe hain, to Fund A, HDFC Flexi Cap Fund, 3Y return mein 17.84% ka return de raha hai, jo ki Fund B se zyada hai. Lekin, risk bhi zyada hai, Very High riskometer ke saath. Expense ratio bhi thoda zyada hai, 0.67%. Isliye, agar aap risk le sakte hain, to Fund A better 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 Angel One Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.76%
- AUM: 4.67 Lac Cr
- Sharpe Ratio: 2.36
📈 SIP Suitability
Chaliye, SIP ke liye dono funds ko compare karte hain. Fund A, HDFC Flexi Cap Fund, ek consistent return de raha hai, lekin volatility bhi zyada hai. Fund B, Angel One Mutual Fund Liquid Fund, ek stable return de raha hai, lekin return bhi kam hai. Isliye, agar aap 10+ years ke liye SIP kar rahe hain, to Fund A better hai.
⚠️ Risk & Cost Analysis
sach ye hai, ki Fund A ka riskometer Very High hai, aur volatility bhi 12.97 hai. Lekin, Sharpe ratio 0.87 hai, jo ki Fund B se better hai. Expense ratio bhi thoda zyada hai, 0.67%. Fund B ka riskometer Low hai, aur volatility bhi 0.11 hai. Isliye, agar aap risk-adjusted returns ki talash mein hain, to Fund B better hai.
📊 Portfolio Diversification
dekho, Fund A ka asset allocation ek diversified hai, 97% equity aur 3% T-Bills. Top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Fund B ka asset allocation bhi diversified hai, 65% T-Bills, 20% CD, 10% CP, aur 5% Cash. Top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hain. Isliye, dono funds diversified hain.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Angel One Mutual Fund Liquid Fund
₹858899.05
@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?
fund A, HDFC Flexi Cap Fund, 5Y return mein 17.6% ka return de raha hai, jo ki Fund B se zyada hai.
Q2: Is the higher risk fund worth it?
Haan, agar aap risk le sakte hain, to Fund A ka higher risk worth it hai, kyunki Sharpe ratio 0.87 hai, jo ki Fund B se better hai.
Q3: Which fund is more cost‑effective?
fund B, Angel One Mutual Fund Liquid Fund, ka expense ratio 0.12% hai, jo ki Fund A se kam hai. Isliye, Fund B 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