HDFC Flexi Cap Fund vs Canara Robeco Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
17.84%
3Y Return
6.96%
Dekho, humne do funds ki comparison ki hai - HDFC Flexi Cap Fund aur Canara Robeco Liquid Fund. Ek Multi Cap fund hai, dusra Liquid Fund. Chaliye, hum yeh jaante hai ki inme se kaunsa fund aapke long-term wealth creation ke liye better hai, aur kyun.
| Parameter | AHDFC Flexi Cap Fund - Direct Plan - Growth | BCanara Robeco Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Canara Robeco |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 1945.71 | 3337.33 |
| AUM (₹ Cr) | 10.05 Lac Cr | 3.95 Lac Cr |
| Expense Ratio (%) | 0.67% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 12.97 | 0.11 |
| Sharpe Ratio | 0.87 | 4.18 |
| 1 Year Return (%) | -0.81% | 6.22% |
| 3 Year Return (%) | 17.84% | 6.96% |
| 5 Year Return (%) | 17.6% | 6.13% |
| Since Launch (%) | 14.35% | 6.72% |
| 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) | Shridatta Bhandwaldar (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% | 223% |
🤖 AI Verdict – Which is Better?
Haan, humne dono funds ki 3Y return, expense ratio, aur riskometer dekhe. HDFC Flexi Cap Fund ka 3Y return 17.84% hai, jo ki Canara Robeco Liquid Fund se zyada hai. Lekin, risk bhi zyada hai, Very High riskometer ke saath. Canara Robeco Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai. Sach ye hai ki HDFC Flexi Cap Fund long-term wealth creation ke liye 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 Canara Robeco Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.96%
- AUM: 3.95 Lac Cr
- Sharpe Ratio: 4.18
📈 SIP Suitability
Chaliye, SIP ke liye dekhte hai. HDFC Flexi Cap Fund ka 3Y return consistent hai, lekin volatility zyada hai. Canara Robeco Liquid Fund ka return stable hai, lekin returns kam hai. Dekho, agar aap 10+ years ke liye SIP karna chahte hai, to HDFC Flexi Cap Fund better hai, kyunki long-term mein returns zyada hote hai.
⚠️ Risk & Cost Analysis
Dekho, riskometer aur volatility ki baat karte hai. HDFC Flexi Cap Fund ka riskometer Very High hai, aur volatility 12.97 hai. Canara Robeco Liquid Fund ka riskometer Low hai, aur volatility 0.11 hai. Sharpe ratio ki baat karte hai, to Canara Robeco Liquid Fund ka Sharpe ratio 4.18 hai, jo ki HDFC Flexi Cap Fund se zyada hai. Expense ratio ki baat karte hai, to Canara Robeco Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai.
📊 Portfolio Diversification
Haan, portfolio diversification ki baat karte hai. HDFC Flexi Cap Fund ka asset allocation 97% equity hai, aur top 3 holdings mein HDFC Bank, ICICI Bank, aur Reliance Industries hai. Canara Robeco Liquid Fund ka asset allocation 65% T-Bills hai, aur top 3 holdings mein State Bank of India CD, HDFC Bank CD, aur Reliance Industries T-Bills hai. Dekho, HDFC Flexi Cap Fund ka portfolio zyada concentrated hai, aur sector risk bhi hai.
SIP Calculator – Compare Growth Potential
HDFC Flexi Cap Fund
₹1664275.59
@17.8% annual return (3Y)
Canara Robeco Liquid Fund
₹868530.05
@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 Canara Robeco Liquid Fund se zyada hai.
Q2: Is the higher risk fund worth it?
Dekho, HDFC Flexi Cap Fund ka Sharpe ratio 0.87 hai, aur volatility 12.97 hai. Canara Robeco Liquid Fund ka Sharpe ratio 4.18 hai, aur volatility 0.11 hai. Haan, higher risk fund ka return zyada hai, lekin risk bhi zyada hai.
Q3: Which fund is more cost‑effective?
Canara Robeco Liquid Fund ka expense ratio 0.12% hai, jo ki HDFC Flexi Cap Fund se kam hai. N/A exit load ki information hai, lekin expense ratio ki baat karte hai, to Canara Robeco Liquid Fund zyada 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