HDFC Flexi Cap Fund vs Baroda BNP Paribas Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.92%
dekho, aapke paas do fund options hain - HDFC Flexi Cap Fund aur Baroda BNP Paribas Liquid Fund. Dono ki category alag hai, ek Multi Cap hai aur doosra Liquid Fund. Chaliye, aapko yeh samjhaate hain ki inmein se kaunsa fund aapke liye better hai, aur kyun.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BBaroda BNP Paribas Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Baroda BNP Paribas |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 3208.35 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.89 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 3.82 |
| 1 Year Return (%) | -0.81% | 6.16% |
| 3 Year Return (%) | 17.84% | 6.92% |
| 5 Year Return (%) | 17.6% | 6.14% |
| Since Launch (%) | 14.35% | 6.88% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 3 April 2006 | 1 January 2013 |
| Exit Load | Nil | Nil |
| Fund Manager | Roshi Jain; Gopal Agrawal (3.8 years yrs) | Sanjay Chawla (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% | 205% |
🤖 AI Verdict – Which is Better?
Haan, agar aap long-term wealth creation ki soch rahe hain, to HDFC Flexi Cap Fund better hai. Iska 3Y return 17.84% hai, jo ki Baroda BNP Paribas Liquid Fund se zyada hai. Lekin, risk bhi zyada hai, Very High riskometer ke saath. Expense ratio bhi thoda zyada hai, 0.67%.
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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
SIP ke liye, consistency aur return stability zaroori hoti hai. Dekho, Baroda BNP Paribas Liquid Fund ka 1Y return 6.16% hai, aur volatility bhi kam hai, 0.11. Isliye, yeh fund SIP ke liye better hai, kyunki yeh stable returns deta hai.
⚠️ Risk & Cost Analysis
Riskometer, volatility, Sharpe ratio, aur expense ratio compare karke dekho, to Baroda BNP Paribas Liquid Fund better risk-adjusted returns deta hai. Iska Sharpe ratio 3.82 hai, jo ki HDFC Flexi Cap Fund se zyada hai. Aur, expense ratio bhi kam hai, 0.12%.
📊 Portfolio Diversification
Asset allocation aur top holdings concentration compare karke dekho, to HDFC Flexi Cap Fund ki portfolio diversification thodi kam hai. Ismein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. ki holdings zyada hai. Lekin, Baroda BNP Paribas Liquid Fund ki portfolio diversification thodi better hai, kyunki ismein T-Bills, CD, CP, aur Cash ki allocation hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Baroda BNP Paribas Liquid Fund
₹866593.15
@6.9% 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 Baroda BNP Paribas Liquid Fund se zyada hai. Isliye, yeh fund long run mein better returns deta hai.
Q2: Is the higher risk fund worth it?
dekho, HDFC Flexi Cap Fund ka riskometer Very High hai, aur volatility bhi 12.97 hai. Lekin, Sharpe ratio 0.87 hai, jo ki thoda kam hai. Isliye, yeh fund higher risk ke saath higher returns bhi deta hai, lekin yeh aapke risk appetite par depend karta hai.
Q3: Which fund is more cost‑effective?
Baroda BNP Paribas Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai. Isliye, yeh fund 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