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, yahan hum do alag-alag category ke funds, HDFC Flexi Cap Fund aur Bandhan Mutual Fund Liquid Fund, ko compare kar rahe hain. hum yahan aapko bataayenge ki kaunsa fund long-term wealth creation ke liye behtar hai, aur kaunsa fund aapke monthly SIP ke liye upyukt hai, chaliye shuru karte 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?
haan, 3Y return ke hisaab se HDFC Flexi Cap Fund behtar hai, lekin risk bhi bahut high hai, sach ye hai ki expense ratio bhi thoda zyada hai. lekin phir bhi, long-term wealth creation ke liye HDFC Flexi Cap Fund behtar 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
chaliye, SIP ke liye hum consistency aur return stability dekhte hain, toh HDFC Flexi Cap Fund behtar hai, kyunki iska 3Y return 17.84% hai, jo ki Bandhan Mutual Fund Liquid Fund se zyada hai.
⚠️ Risk & Cost Analysis
dekho, riskometer, volatility, Sharpe ratio, aur expense ratio ke hisaab se, Bandhan Mutual Fund Liquid Fund behtar hai, kyunki iska riskometer low hai aur Sharpe ratio 4 hai, jo ki HDFC Flexi Cap Fund se zyada hai.
📊 Portfolio Diversification
haan, asset allocation aur top holdings concentration ke hisaab se, HDFC Flexi Cap Fund thoda zyada diversified hai, kyunki ismein equity aur T-Bills dono hain, lekin top holdings concentration HDFC Bank Ltd. aur ICICI Bank Ltd. mein zyada 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 ki Bandhan Mutual Fund Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
haan, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, jo ki thoda kam hai, lekin 3Y return 17.84% hai, jo ki behtar hai.
Q3: Which fund is more cost‑effective?
Bandhan Mutual Fund Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai, lekin exit load N/A 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