HDFC Flexi Cap Fund vs Bandhan 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
6.98%
dekho, humne do alag-alag category ke funds ki comparison ki hai - HDFC Flexi Cap Fund, jo ek Multi Cap fund hai, aur Bandhan Mutual Fund Liquid Fund, jo ek Liquid Fund hai, chaliye dekhte hai inki performance aur risk ki details, haan, yeh dono funds alag-alag risk aur return ki profile ke saath aate hain.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BBandhan Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Bandhan Mutual Fund |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 39.33 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.69 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.12 |
| Sharpe Ratio | 0.87 | 4 |
| 1 Year Return (%) | -0.81% | 1.41% |
| 3 Year Return (%) | 17.84% | 6.98% |
| 5 Year Return (%) | 17.6% | 5.96% |
| Since Launch (%) | 14.35% | 8.53% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 2 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Manish Gunwani (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% | 251% |
🤖 AI Verdict – Which is Better?
Humare analysis ke anusaar, HDFC Flexi Cap Fund long-term wealth creation ke liye behtar hai, kyunki uska 3Y return 17.84% hai, jo Bandhan Mutual Fund Liquid Fund se zyada hai, lekin, risk bhi zyada hai, expense ratio 0.67% hai, jo moderate 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 Bandhan Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.98%
- AUM: 3.69 Lac Cr
- Sharpe Ratio: 4
📈 SIP Suitability
dekho, HDFC Flexi Cap Fund 10+ years ke liye monthly SIP ke liye behtar hai, kyunki uska return consistency aur stability acchi hai, chaliye, yeh ek long-term investment hai, isliye risk bhi sahan karna pad sakta hai, haan, patience aur long-term perspective hona zaroori hai.
⚠️ Risk & Cost Analysis
sach ye hai, HDFC Flexi Cap Fund ka riskometer Very High hai, volatility 12.97 hai, lekin, Sharpe ratio 0.87 hai, jo moderate hai, Bandhan Mutual Fund Liquid Fund ka riskometer Low hai, volatility 0.12 hai, aur Sharpe ratio 4 hai, jo behtar hai, expense ratio ki baat karein to, Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo kam hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation equity mein 97% hai, jo zyada hai, top 3 holdings concentration bhi zyada hai, haan, yeh ek sector risk bhi hai, lekin, Bandhan Mutual Fund Liquid Fund ka asset allocation diversified hai, T-Bills, CD, CP, aur Cash mein invested hai, jo risk ko kam karta hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Bandhan Mutual Fund Liquid Fund
₹869500.53
@7.0% 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 Flexi Cap Fund ka 5Y return 17.6% hai, jo Bandhan Mutual Fund Liquid Fund se zyada hai, isliye, yeh long run mein behtar returns deta hai.
Q2: Is the higher risk fund worth it?
Sharpe ratio ki baat karein to, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo moderate hai, lekin, volatility 12.97 hai, jo zyada hai, isliye, risk aur return ko balance karna padta hai.
Q3: Which fund is more cost‑effective?
Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai, isliye, yeh more cost-effective hai, lekin, exit load ki koi information nahi 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