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, aaj hum compare karenge do alag-alag categories ke funds - HDFC Flexi Cap Fund, jo ek Multi Cap fund hai, aur Baroda BNP Paribas Liquid Fund, jo ek Liquid Fund hai. chaliye, hum dekhte hain ki kaunsa fund aapke long-term wealth creation ke 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 hum 3Y return, expense ratio, aur risk ko dekhein, to HDFC Flexi Cap Fund jyada better hai long-term wealth creation ke liye. iska 3Y return 17.84% hai, jo Baroda BNP Paribas Liquid Fund se jyada hai, lekin risk bhi jyada hai, kyunki iska riskometer Very High 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 Baroda BNP Paribas Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.92%
- AUM: 3.89 Lac Cr
- Sharpe Ratio: 3.82
📈 SIP Suitability
chaliye, monthly SIP ke liye dekhein, to HDFC Flexi Cap Fund better hai, kyunki iska 3Y return aur 5Y return consistent hai, aur long-term mein jyada returns de sakta hai. lekin, Baroda BNP Paribas Liquid Fund bhi stable hai, aur low-risk investors ke liye better ho sakta hai.
⚠️ Risk & Cost Analysis
sach ye hai, ki HDFC Flexi Cap Fund ka riskometer Very High hai, aur volatility bhi jyada hai, lekin Sharpe ratio 0.87 hai, jo decent hai. Baroda BNP Paribas Liquid Fund ka riskometer Low hai, aur volatility bhi kam hai, aur Sharpe ratio 3.82 hai, jo bahut accha hai. to, risk-adjusted returns ke liye, Baroda BNP Paribas Liquid Fund better hai.
📊 Portfolio Diversification
dekho, HDFC Flexi Cap Fund ka asset allocation mostly equity mein hai, aur top 3 holdings mein HDFC Bank Ltd., ICICI Bank Ltd., aur Reliance Industries Ltd. hain. Baroda BNP Paribas Liquid Fund ka asset allocation T-Bills, CD, CP, aur Cash mein hai, jo jyada diversified hai. to, diversification ke liye, Baroda BNP Paribas Liquid Fund better 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 Baroda BNP Paribas Liquid Fund se jyada hai, to long-run mein HDFC Flexi Cap Fund better hai.
Q2: Is the higher risk fund worth it?
Volatility aur Sharpe ratio ko dekha jaye, to HDFC Flexi Cap Fund ka risk-adjusted return decent hai, lekin Baroda BNP Paribas Liquid Fund ka risk-adjusted return jyada accha hai.
Q3: Which fund is more cost‑effective?
Expense ratio ko dekha jaye, to Baroda BNP Paribas Liquid Fund ka expense ratio 0.12% hai, jo HDFC Flexi Cap Fund se kam hai, to Baroda BNP Paribas Liquid 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